Depreciation for Two Separate Wind Damage Losses   May 28, 2013 Insured has first-party property coverage under CP 00 10 10 00 with broad form…

Loss of Rents Coverage (Dwelling Policy) My insured was covered under form DP 00 01 07 88 for $160,000. Under Other Coverages provision 5, he is entitled…

Loss of Natural Gas From Cracked Pipe Our homeowners customer recently discovered that the pipes carrying natural gas under his patio had broken down…

Care, Custody, or Control Exclusion and Dropped Trailer March 21, 2012 Our insured is a stevedoring business. While loading a trailer on a truck, the…

Fire Fighting Expenses as Property Damage March 21, 2012 Our insured accidentally started a forest fire that caused damage to a third party's forest/prairie.…

Water Overflow Coverage in a Tenant's Policy April 29, 2013 This loss involves a tenant's policy under an HO 4 policy form. The policyholder resides…

Residence Issue When Insured Travels for Business More Than He Is Home   May 21, 2013 My client owns a house in Pinehurst, NC. The home is insured…

Insured Rents Hall for an Event May 3, 2013 My question pertains to the HO-3 ISO Homeowners form in regards to the liability portion of the policy.…

Patio as a Building May 3, 2013 We have an insured with an HO 00 03 10 00 policy. Heavy snow and ice buildup caused the roof of their patio cover to…

Insured’s Failure to Adhere to Policy Conditions April 29, 2013 Insured delayed providing the proof of loss to the carrier on a theft claim. Carrier…