April 2012 Intro Page

Dec Page

The article of the month deals with the 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. And, Maryland amends the coverage D provision for civil authority prohibiting use of the insured premises.