Intent of 5 Percent Debris Extension? There is a 5 percent extension for debris removal of covered property under the HO-3 forms. Stated coverage under…

Road Repairs Covered under HO3? We represent a homeowner insured under an HO-3 in NC. The property is located on top of a mountain in a remote area…

Member of Boat Club an Owner or Renter of Boats? April 14, 2010 We have been presented a claim where the claimant was injured on a boat. The boat was…

Appraisal Clause Intent in Homeowners Policy Is the intent of the appraisal clause in an HO3 to settle differences in the actual cost of repairs, or…

Bulging Due to Power Outage and Humidity Due to the massive ice storm 1/27/09, we have many policyholders who have been without power, some going on…

Discusses whether odor from a neighboring residence can trigger ALE for an insured.

Homeowners 2 - Broad Form, May 2011 edition

HO 04 61 05 11 Scheduled Personal Property Endorsement, May 2011 edition

HO 01 18 05 11 Special Provisions - Maine, May 2011 edition

HO 01 02 05 11 Special Provisions - Arizona, May 2011 edition