Luggage Lost or Stolen? This issue comes up a lot and there is always a difference of opinions. Our Insured flew on a commercial flight and although…

Hunt Club Land and Business Pursuits Five of my clients covered by homeowners policies have formed a hunt club. They have purchased land in the name…

Are gift certificates covered as cash or something else?

Discusses application of loss assessment coverage to types of property damaged.

Engagement Ring—Who Should Insure? We would like your opinion concerning who has an insurable interest in an engagement ring. It has always been…

When ice breaks a tree limb, is the cause or loss ice or falling objects?

Application of special limit to equipment for firearms.

Falling Object Damaged by a Vehicle One of our homeowners clients is insured on AAIS form ML-3. He was transporting his lawn tractor on a trailer being…

Latent Defect Exclusion The roof of our insured's mobile home recently collapsed during a heavy rainstorm when rain collected on the roof. The adjuster…

Discusses deductibles that should be applied to loss assessment claims.