Discusses frozen pipe claim when tenant did not pay the utility bills.

After a Quake: Insurance Coverage in Earthquake DisastersOn January 12, 2010, a magnitude 7.0 earthquake struck the island of Haiti. The quake…

When the amount of property loss exceeds the policy limit, what is considered the total amount of the loss?

We have a consumer inquiry involving damage done to a rental property by a tenant. The dwelling was insured under a DP-3 form, 10/00 edition. The…

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 the difference between vandalism and simply changes to the property.

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…

IL 01 22 09 07 Nebraska Changes - Actual Cash Value, September 2007 edition

IL 01 90 09 07 Alabama Changes - Actual Cash Value, September 2007 edition

IL 01 66 09 07 Pennsylvania Changes - Actual Cash Value, September 2007 edition