Limit on Coverage of Loss to Stock   August 25, 2014   On the declarations page of a CP 0010 06 07, Building and Personal…

Loss of Water as Loss of Use August 18, 2014   I have had two recent scenarios that involve an increased water bill following a covered loss. In…

Property Damage Caused by Riding Lawnmower August 11, 2014 The insured is a lawnmower repair company. The insured went to a customer's home to pick…

July 28, 2014 I have a case where a frame restaurant has a sprinkler system and is recognized by ISO as being sprinklered, but the system does not…

Party in Leased Premises Causes Damage July 21, 2014   A beach house insured on an HO 03 policy was rented to others. Our investigation revealed…

Broad Coverage under Auto Med Pay Endorsement July 2, 2014 The attachment of an auto medical payments coverage endorsement (CA 99 03 03 06) to a standard…

Deductibles and the BAP July 2, 2014 Our insured lost control of his owned tractor which was connected to his owned trailer. Both units sustained damage.…

Pollution Exclusion and Clean Up Charges July 2, 2014 Our insured was hired by a restaurant to clean the hoods, grates, etc. Grease from prepared food…

Broad Form Products Coverage under the Garage Form July 2, 2014 The insured garage replaces engine in a customer's car. The engine that was installed…

Collision Damage Waiver and Coverage under the BAP July 2, 2014 Our insured driver had an at-fault motor vehicle accident in which the claimant's vehicle…