Rented Chairs and TablesCovered Under Homeowners Policy? Q Our insured is considering renting chairs and tables for a social event. We would like…

Ice Fishing Hut a Trailer? We have several clients in our agency who ice-fish during the winter, and have fishing huts which they store on their property…

Root Damage to Plumbing System Q We are seeing an increase in claims for "tree root" damages to plumbing systems.  Specifically, one claim involves…

  HO 3 and DP 3 Differences What are the main differences between the HO 3 and DP 3 policy forms? New York Subscriber The DP 3 provides property…

Valuation—Actual Cash Value forAntiques Is Market Value Q Our company has a difference of opinion on how to value unscheduled antiques under…

  Business Property or Insured’s Property Under AAIS form HO 0003 01 05, coverage C, a. 2) we find coverage for “personal property…

Property Held for Rental Coveredby Homeowners Policy? Q Our client has an HO 00 03 05 01 on his primary residence in Florida. He also owns a condo…

Storm Damage—Coverage for Ice Damming (HO-2) Q I am requesting your view on a problem that has come up during the processing of winter storm…

Vehicle Used to Service the Premises Q Our insured has a HO 00 03 04 91. He hired a contractor to do some work on his property that necessitated the…

Vehicles Used to Service the Insured Premises Q We insure a home under AAIS form 3, edition 2.0. The insured owns a go-kart that was damaged by one…