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An insured suffered severe water damage to the interior of the second floor of a dwelling. A heavy rain storm caused water to accumulate on a second floor deck which…

A contractor built a new inground pool for the insured. After the pool was installed, an underground leak was discovered in a water line between the house and pool after…

A large, ornate wooden bowl was scheduled on the insured’s HO policy. The bowl was accidentally broken and the insurer denied the claim citing the exclusion for “breakage of art…

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…

A boulder dislodged from a hillside and ended up inside a home at the bottom. Is this excluded as earth movement or would it be covered as a falling object…

A number of years ago, ISO added “concurrent causation” exclusionary wording to its personal and commercial lines property forms. This was done in response to several onerous court decisions that…

While it’s an unpleasant topic to consider, sometimes people pass away in their homes and their bodies are undiscovered for weeks. Decomposition can lead to decay and loss of body…

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…

When property that is damaged is subject to a policy sublimit, does the deductible apply to the loss or the sublimit? This is an age-old question, but it recently came…

On October 4, 2009, while I was visiting my parents in Vero Beach, at 4:32 a.m. my cell phone rang and the caller ID showed it to be my daughter.…