When a hurricane topples a tree.

Fire, concrete roof and ensuing loss.

When part of an older roof is damaged, matching issues come into play.

Septic tanks and water backup.

When an insured changes carriers and discovers hidden damage, what should the date of loss be?

Our insured has a DP-3 policy on some rental property. A seam in a woodburner separated allowing smoke into the ductwork. The smoke was channeled…

Wind driven rain on separate occasions damages same property.

Our insured recently suffered water damage to the contents of his home. He was in the process of remodeling and the contractor had removed a part…

Water backup and sump pumps.

Theft of Keys—Auto or Homeowners Coverage?QOur insured had a set of keys stolen from his house and included in that set was the key…