Homeowners

Most named perils property policies cover “windstorm.” Note that this doesn’t say “wind,” but rather “windSTORM.” So the question is, what constitutes a windstorm? This issue recently arose in an auto…

The insured sold her $29,000 ring…or so she thought. When she attempted to deposit the cashiers check, she learned that it was forged and the forger was long gone. When…

Last year’s swath of hurricanes brought numerous claims involving damage to boat docks and piers, along with numerous claim denials. Weather-related claims to boat docks are common elsewhere in the…

An insured sends brass bathroom fixtures to the manufacturer to be replated or replaced. They are lost by the manufacturer who refuses to replace them. Is this loss covered by…

Here’s a composite of THREE questions received by our “Ask an Expert” service in the past month: “Is there any coverage under the HO3 for a piece of furniture/washer/television (or…

What if snow that accumulates on a roof over time results in collapse? Could the carrier deny the claim, citing the “Neglect” exclusion in the HO policy due to the…

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…