Discussion of duty to defend.
Analyzes the Homeowners Section II insuring agreements. Discussion is based upon the ISO 2011 Homeowners program but indicates differences between the 2000 and 1991 ISO programs.
HO 17 48 10 15 Residence Premises Definition Endorsement - Unit-Owners, October 2015 edition
HO 17 47 10 15 Broadened Residence Premises Definition Endorsement - Unit-Owners, October 2015 edition
HO 06 49 10 15 Broadened Residence Premises Definition Endorsement, October 2015 edition
HO 06 48 10 15 Residence Premises Definition Endorsement, October, 2015 Edition
Discusses droughts and possible losses that can result.
Use of ATV at a state park.
Discusses water backing up through drains in the home.
Discusses rationale behind scheduling, coverages, and exclusions.