"Sistering" and the Repair of a Home Q We are a public adjusting firm. Our client's home is insured on an independently filed HO 00 03 05 01. A recent…

Water as Personal Property Q We have a loss under an AAIS homeowners form ML-3. Our insured's well was contaminated with fuel oil. We all agree that…

Student Away at College—Homeowners Coverage for Personal Property? Q Several of our clients have sons and daughters attending college away from…

Is a septic tank made of fiberglass covered under glass portion of a policy?

Restoration of Land Q Our homeowners insured has a special endorsement to his policy that provides some coverage for restoration of land after a covered…

Discusses storage of property that can no longer be stored on insured premises and laundering of clothes during the relocation.

Does the location of vacant land matter?

Mildew in the attic.

When lightning hits a well and wind from the same storm topples a tree, is it 1 loss or 2?

Is the cost to dig up a water line in the yard between a home and the water meter covered by a homeowners policy?