There seems to be no end to the confusion from insureds, agents, claims adjusters, and even some carriers, over application of the loss assessment coverage. This article undertakes to provide understanding using various scenaries to explain the coverage.

A quick explanation of the water back-up and sump overflow endorsement.

Insurers are now required to report dog bite incidents to state beginning January 2022.

Coverage for additional living expenses, civil authority, and business income all come into play after a disaster.

This writer was reminded yesterday about the perception of certain dog breeds while walking down a neighborhood street. Coming up the last block near home…

Summary of the cancellation/nonrenewal moratorium imposed by the California Insurance Department.

Civil authority and additional living expenses are often the first coverages that come into play after a storm.

In updating the homeowners forms for 2022, ISO has created a new form, HO 00 14, Contents Comprehensive form. This form is designed for more mobile insureds who may be living with parents or others. This is the last of five articles analyzing the form; this article discusses the Section II Liability section.

The accumulated articles and questions and answers surrounding additional living expenses (ALE).

HO 00 14 03 22 Homeowners 14 - Contents Comprehensive Form. New form designed for more mobile insureds.