Test Driving Accident September 9, 2016 After repairing our insured's vehicle, the mechanic drove the car around the block for a test drive. While test…

In getting off bus insured falls on car; are his injuries covered?

Storms over Time and Application of Deductibles August 12, 2016 The policyholder experienced a hail loss and was insured on a HO 00 03 04 91. The policy…

Boat House on Property Leased from Utility Company August 11, 2016 We insure several lake houses on a lake in North Carolina owned by Duke Energy. The…

House in Living Trust after Death of Insured August 11, 2016 Our insured was a widowed lady who died two years ago, and all of the household contents…

Are broken door handles and similar damage that occurs over time damage?

Damage Caused by Bears September 5, 2016 If a bear damages the siding on the insured's garage, would this be covered under the homeowner's policy? Would…

Appraisal and Disposal of Damaged Contents August 15, 2016 A fire loss lead to substantial damage to the insured's structure and contents. The contents…

Escaping vehicle in a flood leads to injuries; is this occupying or getting off of the vehicle?

Should pack-out be coverage A or coverage C?