Homeowners

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.…

Gift cards have become an increasingly popular form of giving for Christmas, birthdays, and many other occasions. Each year, BILLIONS of dollars are spent on gift cards, many of which…

The HO 04 60 covers acquired jewelry (for a sublimit) if reported within 30 days. If any insured buys jewelry on March 7 but doesn’t pick it up until April…

With summer upon us, now is the time that many families make the move from one home to another. Most likely, many of them are already looking or even negotiating for…

It is not uncommon for a homeowner to serve as his or her own general contractor when building a new home. When doing so, there is an exposure to claims…