Virtual University

It’s a bizarre statement, but here goes anyway:  “Condo unit owners, even those on upper floors, should consider purchasing a dwelling flood policy that includes both contents coverage and building…

Throughout the country, flood maps are changing. For some policyholders this is good news, while for others it can be bad news. As flood maps change, the premiums for flood…

If a homeowners association (HOA) is not established as a condominium, the Residential Condominium Building Association Policy (RCBAP) can’t be used. This can create several problems, particularly if someone tries to…

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A couple divorce, the wife moves out, and, although her auto is declared on the policy, she is not a named insured. Does she have physical damage coverage? (Note: One…

Zipcar is an innovative alternative to traditional car rental. The company describes itself as a “car sharing” company instead of a car rental company. The company currently operates in multiple…

I’ve often said that it’s inexcusable when a claim is denied for no other reason than “It’s not covered.” The insured is owed a reason for a claim denial, by…

A Corvette was stolen by a scam artist that gave the insured a counterfeit check for $41,500. The bank didn’t find out that the check was counterfeit until a week…

Not infrequently, an auto suffers a physical damage loss. There’s no question that the loss is covered…the only issue is whether the loss is covered as a collision or an…

Rain water entered an insured’s camper trailer during a rain storm. Apparently the seals on the roof of the trailer had deteriorated and water leaked into the interior, causing damage…