Homeowners Co-insurance Penalty Under an HO-3 open peril policy, is cleaning of the dwelling after a partial loss subject to the underinsurance penalty…

Fungi Endorsement Application I have a mold claim on a form 3 homeowner policy. They have the fungi coverage endorsement. The endorsement states we…

Deceased Insured and Coverage for Remaining Property Our named insured passed away in November 2007. The house remains unoccupied. In late December…

Downspouts, drains, and surface water.

Refrigerator with an Odor We had an insured who had their refrigerator stop running while they were on vacation for a week. When they returned it was…

Sales Tax on Contents I am located in North Carolina handling an HO-2 fire claim with ACV only coverage on Cov C for the property owner. We submitted…

Homeowners Pollution ExclusionsThe ISO and AAIS FormsSeptember 2008Summary: The first party property pollution exclusion found in the…

Primary Coverage v. Excess Coverage under a PAP We have a question on the primacy of coverage between auto policies of rental car vendors and our insureds.…

Cancellation of Policy Effective to Block Claim? A personal auto policy holder decides to withhold notice of a claim because he feels that an outstanding…

Newly Acquired Vehicle Coverage Standard language in most auto policies includes a provision for notification to the company of a newly acquired vehicle.…