Discusses business income coverage and the insured operating the business at a loss.

Tenant Relatives are not Insureds June 10, 2014   Our insured has an HO6 policy and owns a second floor condo that he rents out to his in-laws…

Utility Company Power Failure on Premises June 10, 2014   Reviewing a claim in which the electric company had a surge that damaged a power box…

Scheduled Limits and Value of Stolen Ring June 10, 2014   The insured had a ring stolen that was not specifically scheduled. Our policy has a special…

When and Insured’s Art Work Gets Damaged June 23, 2014   I have a question on a homeowner's claim. Some artwork painted by the insured got…

Secondary Loss June 10, 2014   An insured presented a claim 6 months ago for water damage to the living room/dining room floor. It was denied based…

Residence Next to Lake June 10, 2014   The insured premises abuts a lake. The homeowner's insured allowed another, nonresident, to use a personal…

Warped Siding and Solar Energy June 10, 2014  A client of ours, who has an HO5 form, recently submitted a claim for the warping of their vinyl siding,…

Questions application of the blanket limit of insurance in a valued policy state.

  Business License Claimed to Be Business Personal Property   May 6, 2014   A policyholder owned a grandfathered business license, which…