Standard Mortgage Clause November 6, 2013 A General Discussion Summary: A standard mortgage clause is commonly incorporated…

In-laws Are Not Insureds February 4, 2014 Our insured has an HO6 policy and owns a second floor condo that he rents out to his in-laws at a reduced…

Guaranteed Replacement Cost and Repair or Replacement February 4, 2014 The policyholder has the guaranteed replacement cost endorsement (GRC) on her…

Pool Liner and Concrete Block February 4, 2014 Insured has an in ground pool. Water collected on the cover and pulled down on it, causing one of the…

Multiple Mortgagees February 4, 2014 There was a fire loss in Wisconsin where the seven-figure home sustained a devastating house fire. The house had…

Removal of skunk spray and residual odor.

Heating Service Overfills Oil Tank February 3, 2014 I have a homeowners claim that is insured with ISO form HO 03 04 91. The cause of loss is an oil…

Sold Vehicle Still a Covered Auto January 27, 2014 Our policyholder sold his vehicle to a private owner and never notified the insurer so the vehicle…

Review of Policy Provisions and Court Decisions<br> March 19, 2012<br> Summary: Public policy against allowing a wrong-doer to profit from his own…

This article provides an overview of fire legal liability coverage.