Closing Costs as Part of Replacement Cost   January 5, 2015   Our insured has a standard HO-3 policy. They suffered a total loss of their…

Faulty Construction   January 5, 2015   Please explain the faulty construction exclusion and when this can be used to deny a claim. I have…

Water from Broken Pipe Moves through Soil before Causing Damage  January 5, 2015  The insured has a home insured under an HO 3. The house was damaged…

Regulation of Rating Laws October 22, 2014 State-By-State Summary Summary: Each state regulates insurers' rates in different ways.…

October 22, 2014 Chart Presents Show of Prejudice Requirements Summary: The notice–prejudice rule is a nationwide trend whereby an insurer…

Additional Insured Endorsement and Coverage for Completed Operations December 29, 2014 Does the Additional Insured - Designated Person or Organization…

Subrogation   An Overview   December 29, 2014 Reviewed and updated by Barry Zalma, Esq., CFE   Summary: The subrogation provision is…

New in 2014 12/29/2014: An update to the Subrogation article was added to FC&S Online this week. 12/22/2014: A new article—Home Sharing—was…

Inflatable Bounce Apparatus and Vandalism December 22, 2014 Our client's business uses an inflatable bounce apparatus that kids play in. The inflatable…

Capitalization RequirementsState-By-State Survey October 21, 2014 Summary: When an insurer wishes to enter a state as an admitted…