All Named Insureds Not Required to Sign Proof of Loss June 6, 2011 Can an insurer reject a proof of loss because it is signed by one, but not all, named…

Coverage C Limit for Property at Other Residences   I am looking for clarification on the ISO contract regarding the 10% of Coverage C limit for…

Liability Coverage When Part of the Property is Leased to an Oil Company   On an ISO HO 00 03 10 00 form, the insured leases land to a gas/oil…

Building or Personal Property?   Is a refrigerator in an owner occupied dwelling considered part of the dwelling or part of the contents on a DP-1…

Liability for Tractor off Premises   We are looking for your opinion regarding liability coverage for a farm/garden tractor under a HO 03 04/91…

Maintenance of a Motor Vehicle on a Homeowners Policy Insured girlfriend's mother was visiting the insured and pulled her auto into insured driveway.…

Single or Multiple Occurrences   Insured picked up money from multiple business locations and while in his possession, the vehicle was broken into…

Road Repairs Covered under HO3? We represent a homeowner insured under an HO-3 in NC. The property is located on top of a mountain in a remote area…

Bulging Due to Power Outage and Humidity Due to the massive ice storm 1/27/09, we have many policyholders who have been without power, some going on…

Appraisal Clause Intent in Homeowners Policy Is the intent of the appraisal clause in an HO3 to settle differences in the actual cost of repairs, or…