Pollution Exclusion Applies to Cleanup of Corpse? June, 2002 We are adjusting a claim for the cost of cleaning up a corpse that had decayed within an…

Replacement Cost—Second Insurer Liable Even if First Insurer Paid Too Much Q One of our homeowners insureds was paid for a total loss to his…

Contract Cancellation Cause of Loss We have a client who ordered $20,000 worth of new kitchen cabinets before they had a fire. The cabinets were never…

A claimant was involved in a car accident with our insured. The claim against the insured was for property damage done to the other car and included…

Med Pay Coverage for a Go-Cart Accident? Our insured recently submitted a claim for injuries to their minor son. The son, age five, was operating a…

Collision Loss Includes Damage to Eyeglasses? Q We have a question about coverage under a personal auto policy. Our insured was driving home after…

Personal Property Covered Away from Residence Premises Q Our client's home is insured on an HO-3. He holds the mortgage on another house, where his…

Medical Payments to Others—Preventive Medical Care Q We have a question about homeowners medical payments coverage. Our insured was entertaining…

Ordinance or Law and Rebuilding the House Elsewhere Q This issue concerns interpretation of the Ordinance or Law coverages found within the HO-3 (Ed.…

Guiding Principles Not Binding on Insured? The Guiding Principles are not binding on insurers although many have voluntarily agreed to abide by the…