Collapse During Construction—Vehicle Peril as Cause of Collapse<br>Our insured is building a new home and we're using a HO-3 as a form of builders…

Collapse coverage varies by form.

Definition of Insured Bar to Coverage on HO We have had a claim denied under a homeowners policy and would like your help in explaining the denial…

Dwelling Under Construction—Liability Coverage Our insured is a homeowner who is acting as his own general contractor in building his new home.…

Damage to Common Areas under a Tenant Homeowners? Our insured, who rents one of three units in a landlord-occupied dwelling, has an AAIS tenant homeowners…

Discusses damage from falling rain as opposed to surface water on a dwelling policy.

Builder's contractual liability does not pass to homeowner.

The following exclusions apply to: 1. all property covered under this form. c. Extremes of temperature or dampness of atmosphere. We do not pay…

Debris Removal Part of ACV Loss? There was a fire loss to the insured's home. I have reached agreements for the coverage A (building) portion…

Deductible(s)—Damage by Wind and Lightning Our insured, on an HO 00 03 10 00, had his home damaged during a recent thunderstorm. Lightning…