Deductible and Number of Occurrences under Property Policy December 12, 2011 Our insured, a commercial bank, has a foreclosure that is a large vacant…

Difference in Conditions Coverage Form, IH 00 80 12 11

Storm Damage Raises Deductible Questions November 21, 2011 A commercial building sustained wind damage to the roof and interiors as a result of a windstorm.…

Condominium Building Damage Coverage Depends on Policy Wording October 31, 2011   The subject property is a commercial condominium. There is a…

SPOILAGE COVERAGE ISO Form CP 04 40 November 2, 2011 Summary: The Spoilage Coverage form, CP 04 40 06 07, can be used to modify the Building…

Leasehold Interest Coverage Reviewed November 2, 2011 ISO Simplified Commercial Property Program Summary: Leasehold interest insurance protects…

Replacement Cost Less Than ACV Our insured owned a building that was destroyed by fire. The building was insured on an ISO form CP 00 10 10 90. The…

Water Damage Claim to Interior of Building October 10, 2011 Insured alleges that during Hurricane Irene, contents sustained water damage due to roof…

Discusses business income coverage for unbilled hours of work during a suspension of operations from a covered peril.

Temperature Change Endorsement Allows Coverage for Loss of Inventory October 10, 2011 Our insured did not suffer direct physical damage from wind or…