EIFS Application and Resulting Water Damage Our insured is a subcontractor. He installed the stucco on a newly constructed home using the exterior insulation…

Boiler Damage — Condition or Event Inside? Q Our insured, covered on the commercial property policy CP 10 30 10 90, suffered the following loss.…

Losses due to Noncompliance with ADA Requirements Excluded from Coverage under BP 04 46 The policy I am looking at is a BP 04 46 01 96 and contains…

Protective Safeguards Endorsement and Mortgagees Q Our company issues mortgages, and we are named as a mortgagee on the insurance policies of these…

Ordinance or Law Not Applicable to Construction of Parking Lot An insured has a building with no parking. A current ordinance requires buildings to…

Outdoor Signs Q Pursuant to the commercial property policy, CP 00 10 10 91, building coverage is written to include outdoor fixtures. Signs, other…

Colleges or Schools Endorsement Affects General Liability Coverage Our insured is a school and the school has a gym. The school rents the gym to several…

Installation Floater—Damage Coverage? Q Our client, a heating and air conditioning contractor, keeps heating units in his shop that he takes…

Wind Loss and Golf Course Restoration Q Recently a heavy wind came through a local golf course and took down a 150 year old, seventy-five foot tree.…

Deductible and Hail Damage Loss We insure a building with a CP 00 10 Building and Personal Property Form and CP 10 30 Cause of Loss form. In 2004 the…