Statistics don’t lie, and all across the internet recently we see articles about underinsured homes throughout the U.S. After a loss is a terrible time to discover your insured’s policy…
Replacement cost estimators are a tool in the property underwriting process, but they are not intended to be exact. They are an organized guess based on data that changes, at…
An agent asks: Are pets Covered under a homeowners’ policy?
Not to be overly dramatic, but ordinance or law is a very real personal lines exposure – often overlooked during the personal lines risk management and insurance planning process. Agents…
We often get questions about in ground pools and whether they’re HO Coverage A or B. HO guru David Thompson explains, with photos, why this isn’t always cut and dried,…
Does the trees, shrubs and plants Additional Coverage in a Homeowners policy apply inside and outside the home? Does it apply to plants in a yard or to potted plants…
A burst water pipe in a neighbor’s yard causes water damage to flooring in your insured landlord’s rental home. The rental home DP insurer denies the damage, citing the “surface…
Vandalism of grave markers at cemeteries is, unfortunately, a common loss exposure. When this happens, where is insurance coverage (if any) likely to be found? This article addresses the basic…
The insured’s brother-in-law was helping him clean up some storm damage when a tree limb damaged his lawn tractor. The adjuster denied the damage as a liability claim under the…
Here’s the scenario: Windstorm and/or hail has damaged shingles on the roof of your insured’s home. Since the roof is over 15 years old, replacing selected shingles with new ones…
