Vehicle Damage to Borrowed Grill? Q Our insured borrowed a barbeque grill from a friend. He loaded it in the back of his pickup to return it. On the…

Standard Time Definition Q We are having a debate in our office about whether the effective time of a homeowners policy is altered by daylight saving…

Theft from Home Not Yet Occupied Q Our insured sold his house prior to having a new one constructed. He moved into an apartment and put his contents…

Medical Payments Coveragefor Rental Property Q Our insured has an HO-3 (1984 edition) with the HO 70, Additional Residence Rented to Others, endorsement…

Notification Requirement Satisfied by Calling Police Under most policies, there is a duty for the insured to notify the police in the event of a theft…

Scheduled Diamond Ring—Coverage for Cracking? Q Our insured had a loss to a diamond ring scheduled on an HO-61. She found to her amazement it…

Foster Care and Homeowners Policy If a homeowner takes in mentally challenged individuals, both minor and adult, and receives money to help defer living…

Wind driven rain on separate occasions damages same property.

Discusses the difference between vandalism and simply changes to the property.

Weight of Ice or Water Our insured is covered by the 1984 ISO HO-3 and received damage to his above ground swimming pool due to the weight…