September 2013 Intro Page

Dec Page

The article of the month deals with the issue of a building versus a structure. Property, liability, inland marine, and other insurance forms, both commercial and personal lines, contain the terms “building” and “structure” without defining those terms. As a result, whether an insured has coverage for its loss to property often cannot be determined until a court decides the issue, and no one knows for sure what that conclusion will be. The article of the month delves into some court cases differentiating between the two words.