Difference between surface water and water backup from sewers and drains is questioned.

Discussion of care, custody or control exclusion when only part of property is in care, custody or control.

Highlights the new fracking exclusion added to certain mandatory state endorsements.

MCM 8 20 08 15 MSO Mandatory Endorsement New Jersey.

MHW 010 09 10 MSO Houses of Worship Policy Delaware.

Questions if damage from deer is excluded due to the insects, birds, rodents or other animals exclusion.

Discusses whether the property deductible applies to vandalism of building glass breakage if there is no separate glass deductible shown in the Declarations.

Walks through the Business Income Worksheet.

Business worth only $80,000 was insured for $1 million, owner arrested for arson.

This article appears in the October 2019 edition of Claims Magazine, and defines and explains material misrepresentation.