Theft of Phone Time—Insured Loss? Q We have had a somewhat unusual claim presented to us. The insured has an HO 03. She had to go out of town…

Other Insurance and Loss Settlement on Homeowners Policies Q We are unsure how to settle a claim where two homeowners policies apply, and would like…

Medical Payments Coverage for Guest on Tenant Homeowners Policy Q Our insured has a tenant homeowners policy. His mother was visiting him, and, while…

Restoration of Land Q Our homeowners insured has a special endorsement to his policy that provides some coverage for restoration of land after a covered…

Removal of Oil Tank Q Our insured has a rental property insured on a dwelling fire policy. He now wants to sell the house, but there is a problem.…

  Paved or Non-paved Driveway Our policy states that an insured has coverage to remove tree debris if it is on a structure, or blocks a driveway. …

Pool Cover and Replacement Cost for a Homeowner Q We write a standard HO-3 on a client with a swimming pool. His policy also includes replacement…

Stolen CDs and the Homeowners Policy Q Our HO-3 ('91 edition) insured had some CDs stolen from his car. The thief also took the portable CD player…

Release Signed by Insured Bars Reopening Claim Our insured had tornado damage some time ago. The tornado claim was adjusted and closed in spring 2005.…

Property "In the Care of" the Insured Q Our HO 00 03 insured was "dog-sitting" for his neighbor. While our insured was walking the dog, it got away…