Insurable Interest in Contract to Purchase Home Recently, one of our insureds signed a contract to purchase a home. We issued an insurance binder, because…

Collapse Coverage under a Mobile Home Policy Our client has a mobile home covered by an AAIS form ML-3. Part of the roof hangs over the front of the…

Carport a Canopy? Insured made claim under an AAIS form 2 for "weight of ice and snow" damage to a carport attached to the end of the dwelling. The…

Collapse Coverage under Homeowners Policy Our insured bought a seasonal residence in Michigan. We insured it on an HO 00 03 10 00. Last winter brought…

Collapse Coverage under an HO-3 Our insured has an HO-3. Our question concerns coverage for wet rot damage that has led to a sagging roof. The support…

Assignment of Claim Payment Farm Bureau Mutual Insurance Company's Policy States, "Change/Assignment of Interest---No change of interest in this…

Bird Droppings and Damage to the Exterior of a Home<br>Our homeowners insured is covered with a standard HO 00 03 04 91. During a recent storm a large…

Business Exposures Endorsement—Off-Premises We have a question about the use of homeowners endorsement HO 04 02 10 00 (permitted incidental occupancies…

Business Exposures Endorsement—Off-Premises We have a question about the use of homeowners endorsement HO 04 02 10 00 (permitted incidental occupancies…

Can pipe bursting be a covered explosion loss?