Water Loss Repairs Responsibility of Building Owner or Contents Owner? Q Our insured owns a building and recently there was a water loss to various…

In Transit Coverage for Plumber's Tools? Q Our insured plumber's van was broken into and tools usually carried therein were taken, valued at more…

Trailer Considered Property Not Covered Our insured allowed their best and largest client to park a semi-trailer on their property. The semi-trailer…

Pollutant Damage Caused by Specific Perils Not Excluded Our insured sustained a loss due to a puff back from their gas-fired furnace. The carrier denied…

Outdoor Signs and Outdoor Fixtures Covered as Commercial Property? The commercial property coverage form (CP 00 10) insures outdoor fixtures but excludes…

Spoilage Coverage Does Not Provide Additional Limits We have a CP 04 40 06 95, Spoilage Coverage form on a retail business. Fire destroyed the business,…

Is a drain on the roof the same as a drain on the ground?

Discusses two different claims with two different outcomes for ice damming and frozen pipes.

Anthrax Testing and Insurance Coverage Q Our client received a sealed container from abroad and when it was opened a huge puff of white powder blew…

When the county declares that the building must be razed, is it excluded under ordinance or law?