April 2012 Dec Page
Article of the Month
There are special provisions and mandatory forms that individual states require when homeowners policies are issued. For example, Colorado requires an endorsement stating that the insurer's total liability for all damages arising out of any one occurrence will not be greater than the limit of liability shown in the declarations. Georgia 's special provisions endorsement amends the ISO homeowners definition of collapse. Maryland amends the coverage D provision for civil authority prohibiting use of the insured premises.
It is true that legislative changes or new legal interpretations of policy language can occur at any time. However, the Special Provisions and Mandatory Forms – Variations by State article offers an updated state-by-state summary of the individual state special provisions that can affect the standard homeowners policy.
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