The Water Overfloweth: Loss and Liability New Wording to a Familiar Exclusion By Susan L. Massmann, CPCU From the April 2013 issue of…

Duty to Defend and the Products and Completed Operations Hazard The insured homebuilder brought an action against the insurer, alleging failure to defend…

Fire Department Clean Up Expenses and the PAP April 1, 2013 It is my understanding that the expenses incurred by a fire department to clean up hazardous…

Waiver and Estoppel do not Outweigh Cancellation of Policy March 25, 2013 The auto policy of the insured was cancelled due to failure…

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…

April 2013 Intro Page Dec Page The Dec Page for this month provides two interesting items form Don Malecki, a well-known and well-respected…

Roofer Starts to Replace Wrong Roof March 18, 2013 I have a homeowner claim situation that I am hoping that you can offer some insight on. A contracting…

April 2013 Dec Page Question and Answer The following question and answer is reprinted with permission from Malecki on Insurance, a monthly…

When work by a subcontractor triggers ALE on the homeowner policy.

Other Insurance Clause and Primary Coverage March 11, 2013 This case involves two insurers arguing over primary versus excess coverage…