Virtual University

Condos, Binders and “Walls In” Coverage

The VU “Ask an Expert” service has been made aware of a number of requests from the lenders of condo unit owners who want to be named as mortgagees on…

Mortgage, investment, real estate and property concept - close up of house keys. 3d rendering illustration

Vacant Land

Vacant land presents two problems. First, most people find it hard to believe that they could be sued because they own a piece of vacant land. Second, the characteristics that…

Beautiful nature background with red poppy flower poppy in the sunset in the field. Remembrance day, Veterans day, lest we forget concept.

What Does “Used in Connection With” Mean?

The definition of “insured location” in the HO policy includes any premises “used in connection with” the residence premises. Exactly what does that mean?

E&O Guardian
Employee relations and teamwork concept. Pieces of puzzles.

Conditions

PLACE HOLDER textLayout:LISTING

More HO Loss Assessment Misunderstandings

Can a condo association assessment for a deductible be paid by the HO policy without the entire association being assessed? An agent reports that one company will not pay unless…

House choice and real estate concepts, original 3d rendering

Homeowners’ Associations

It’s very unlikely that many purchasers of a townhome or a stand-alone home in an association ever consider the insurance implications of such purchases. Only when it’s time for the…

Group of professional business meeting and discussing strategy with new startup project.Creative african american man planning and brainstorm with laptop computer in modern office.Teamwork

Other Structures and NFIP Coverage

When looking at the National Flood Insurance Program (NFIP), the other structures coverage is so limited that it might almost be thought of as, “There isn’t any.”  To adequately protect…

Preferred Risk Policy Eligibility

Over the past few years, eligibility for the PRP has expanded, making a lot more policyholders eligible for the savings under the PRP.  It’s in the best interest of the…

Home insurance or mortgage protection concept with a 3D house model under a blue umbrella

Why Should I Buy Flood Insurance?

When the tragic floods hit Ron’s Cedar Rapids hometown, he sent me two e-mails over a week or so telling about the situation. Those e-mails, totally unedited, are below. It’s a compelling read,…

Can Home Repair Costs be Depreciated?

After a fire damaged an insured’s home, the HO adjuster offered to pay only part of the repair bill, stating that he was taking depreciation off the total. The agent…

engineer working on building site

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