Discusses how various policies handle common issues with natural disasters.

Chinese Drywall: The Next Big Issue?  March 1, 2010  Summary: An interesting side issue has arisen from the hurricanes of 2005. At the time, supplies…

Discusses security services expenses following a loss are covered extra expenses?

Effect of Vacancy Clause on Theft Claim   April 15, 2013   Our insured owns a large free standing office/warehouse building. The tenant…

Discusses the requirements for civil authority action to be a covered business income loss.

Discusses the utility service exclusion and its application in a claim for extra expense coverage.

Answers concerns about whether insured's business personal property should be combined under one limit with business personal property of others on a commercial property policy.

Withheld Depreciation on a Per Trade Basis   March 25, 2013   I am involved in a hail damage property claim insured by policy form BP 00 02…

Discusses sprinkler leakage insurance as it relates to causes of loss forms and endorsment CP 10 56, which excludes coverage.

Collision Definition under Property Form   March 4, 2013   We have a question regarding the following item in the CP 10 30 10 12: F Additional…