In this July 2017 article that appeared in NU Magazine, Karen Sorrell provides an overview of surplus lines.

State-by-state list of contacts for Guaranty Funds.

Debris Removal, Demolition and Resulting Hole The insured suffered a total loss to their residence. The insurance company has agreed to cover the cost…

Debris Removal—Volunteer Expense The insured sustained a total loss on his dwelling covered under an AAIS homeowners policy. The insurance company…

Collectibles as Business Property A claim has been presented to us for payment resulting from a loss of antiques and collectibles due to a fire at an…

Collapse of RetainingWall Causing Damage Our insured has a homeowners policy with form HO-3. Recently, hydrostatic pressure caused a retaining wall…

Deductible(s)—Damage by Wind and Lightning Our insured, on an HO 00 03 10 00, had his home damaged during a recent thunderstorm.  Lightning…

Debris Removal Part of ACV Loss? There was a fire loss to the insured’s home. I have reached agreements for the coverage A (building) portion…

Definition of Insured Bar to Coverage on HO We have had a claim denied under a homeowners policy and would like your help in explaining the denial…

Dwelling Under Construction—Liability Coverage Our insured is a homeowner who is acting as his own general contractor in building his new home.…