The subject of this discussion is the improvements and betterments insuring agreement in forms covering residential risks. This supplementary coverage is sometimes also known as Building Additions and Alterations.

Questions if lava flow is excluded based on the landslide/earth movement exclusion of the HO 00 03 and DP 00 03 policies.

Depreciation and ACV September 15, 2014 A homeowner has a replacement cost policy for the dwelling but has an ACV endorsement for the roof. The roofing…

FAIR Plan Coverage Limited by Statute  September 15, 2014  In 1968, the legislature enacted the California FAIR Plan to provide property insurance…

Pressure on Roadway Damages Foundation June 10, 2014  The insured lives on a cul de sac and his dwelling's foundation is showing signs of cracks.…

Homeowners 3 - Special Form, May 2011 edition

Discusses coverage for credit cards, fund transfer cards, and counterfeit money in the ISO homeowners forms.

FC&S Editor Susan Massmann discusses tangible versus intangible property in this column from the August 2012 issue of Claims Magazine.

HO 04 56 05 11 Special Loss Settlement, May 2011 edition

HO 04 20 05 11 Specified Additional Amount of Insurance for Coverage A - Dwelling, May 2011 edition