Loaned Trailers and Liability Coverage We have a customer who has four trailers listed on a PAP with physical damage coverage. We don't offer…

Mold Claim under Personal Auto Policy We have an insured who reports mold growing in her car. There was a hole in the car's convertible top. The insured…

Discusses date of loss versus date of assessment and payment of claim.

Mortgagee's Claim Covered? We received a call from a mortgagee. The insured defaulted on the loan, and the mortgagee foreclosed on the home. When an…

Theft vs. Mysterious Disappearance Q Our homeowners insured recently reported the loss of a diamond ring. She had stayed overnight in a motel and…

Wind Loss to Personal Property We have a hurricane claim and there was no damage to either the exterior or the interior of our insured's condo unit.…

Storm Damage—Coverage for Ice Damming (HO-2) Q I am requesting your view on a problem that has come up during the processing of winter storm…

Safe Deposit Box Drilling Covered? Our insured's dwelling and personal property were destroyed in a tornado. The keys to her lock box at the local bank…

Vehicle Used to Service the Premises Q Our insured has a HO 00 03 04 91. He hired a contractor to do some work on his property that necessitated the…

Stolen CDs and the Homeowners Policy Q Our HO-3 ('91 edition) insured had some CDs stolen from his car. The thief also took the portable CD player…