Discusses friendly fire, hostile fire, and care, custody and control.

Our insured owns an apartment complex. We have replacement cost coverage on the commercial property policy with the special causes of loss form attached. Recently…

Rupture of pipes when the boiler quits working; is there coverage?

Water Damage Not Caused by Drain Overflow Excessive rain from thunderstorms caused interior water damage to a building through the roof. The building…

When the warranty requires steps beyond the insurance policy.

Questions the amount payable on a blanket property policy when not insured to value.

Bailee's Coverage—Processing or Work upon Exclusion Q We have written a commercial laundry account for many years. In 1986 they ruined some…

Collapse — Defective Materials or Methods Q A basement wall collapsed as a subcontractor, hired by my general contractor client, was back-filling.…

Collapse of Ceiling Covered? The acoustical ceiling in our church kitchen collapsed. The building is insured on a CP 00 10 with CP 10 30 attached. As…

Bailees Coverage for Off-Premises Goods Q Our insured owns a commercial laundry business, but has no on-premises dry cleaning service. To accommodate…