A reminder of the standard procedures to insurers writing homeowners policies.

A numerical list of available ISO homeowners forms.

HO 04 95 03 22 Limited Water Back-up and Sump Discharge or Overflow Coverage can be added to homeowners, unit-owners, and tenants policies.

A rating scale has been developed for storms known as Atmospheric Rivers. This article explains the storms and how they relate to tornadoes and hurricanes.

A listing and description of the endorsements.

A father backs into the daughter's vehicle causing damage. The daughter's vehicle is insured separately. Which policy prevails, and why?

When the jewelry wasn't stolen as often as claimed.

Home sharing coverage endorsement for use with the HO 00 08 homeowners form.

Home sharing coverage endorsement for use with the HO 00 06 homeowners form.

Home sharing coverage endorsement for use with the HO 00 05 homeowners form.