Garden paths and rock structures as other structures.

Does the location of vacant land matter?

We recently received a claim in which the cause of loss is reported as "smoke damage".  The "smoke damage" is actually residue from some kind of drug…

Discusses date of loss versus date of assessment and payment of claim.

Is water from the roof surface water?

When a husband and wife are collecting additional living expense due to a homeowners loss, the policy does not cover the expenses of a spouse who leaves the other spouse and sets up an additional household.

Parking Condo Coverage on Homeowners Policy? Q Our HO 00 03 05 01 insured owns, in conjunction with several other people, a private "parking…

Discusses the difference between vandalism and simply changes to the property.

Is damage from a visiting ill dog covered under the homeowners policy?

Swimming pool as other structure.