Septic tanks and water backup.

We recently received a claim in which the cause of loss is reported as "smoke damage". The "smoke damage" is actually residue from some kind of drug…

Personal Property Stolen From Another Residence Q We have a question on coverage under an HO 00 03 05 01 for stolen property. The insured's grandson,…

Is water from the roof surface water?

Water Tank Adjacent to Insured's Property Q I have a customer whose home is built on a lot next to an elevated water tank. The tank holds approximately…

Water Damage to Personal Property Q We insure the tenant of a house under an HO 00 04 05 01, with broad form named perils on his personal property.…

Our insured is allergic to bee stings and was recently stung by a bee. He was driving himself to the doctor's office for treatment when he passed…

What is the difference between empty farmland and vacant land?

Damage to Property of Others—Tree Falling on Neighbor's Property Q I am working on a claim that occurred during a severe winter storm in which…

Property "In the Care of" the Insured Q Our HO 00 03 insured was "dog-sitting" for his neighbor. While our insured was walking the dog, it got away…