Family Member Includes College Student? Our insured's son went away to college and when he wanted to rent a vehicle, the rental company would only rent…

Motorized Vehicles and Mini-bikes We use an AAIS Homeowner and Farmowner form 2 (2.0). The definition of a motorized vehicle is a self-propelled land…

Condominium Gutting Excluded as an Act or Decision? We have several insureds, insured on standard condominium unit-owners policies, who resided in a…

Mold Damage Over Time Q An insured has a very large two story deck off the front of his home. He lives on the Oregon Coast so the wood has a tendency…

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.…

Mortgagee's Claim Covered? We received a call from a mortgagee. The insured defaulted on the loan, and the mortgagee foreclosed on the home. When an…

Safe Deposit Box Drilling Covered? Our insured's dwelling and personal property were destroyed in a tornado. The keys to her lock box at the local bank…

Fire Department Charges Covered by Auto Policy? Some municipalities automatically send out the fire department to an auto accident scene even though…

Coverage for Auto Incident with Parked Car Under Homeowner's and Auto Policy Our insured had a son that did not live at home. The son brought…

Are carbon monoxide fumes in an apartment pollution?