Deductible Application for Multiple Locations Loss If an insured has two separate locations insured on the same ISO homeowners policy, and each location…

Ice Causes Trees to Fall—Water Damage? We have a carrier coding the ice losses from tree branches breaking off and damaging homes as water losses.…

Burned, But Not Dead, Trees Covered? We have an HO3 4-91 policy. The loss is a brush fire in the insured's yard. They had damage to trees, shrubs, and…

Property in Self-Storage Locker Q This question involves whether or not personal property in a self-storage unit is covered and to what extent. There…

Clean-up Coverage HO-6 condo policy - our insured rented the unit to a couple they were acquainted with - and on 11/27/07 the wife shot herself in the…

Named Insured does not Occupy Residence Premises—Two Our named insured owns a residence insured on an AAIS homeowners form, but he has not lived…

Bodily Injury to an Insured Our insured's daughter had her ears pierced, and an infection ensued. She had to have surgery and reconstruction of part…

Water Damage to Personal Property Q We insure the tenant of a house under an HO 00 04 05 01, with broad form named perils on his personal property.…

Money or Business Property Limits at Issue Our homeowners insured maintains ATM machines. He recently made a substantial withdrawal at his bank and…

Water Damage From Collapsed Swimming Pool Q Our client is insured by a homeowners policy form HO-3. Their above-ground swimming pool collapsed due…