Coverage for Property Damage Caused by Toilet Overflow
A toilet overflows in a 4-story frame condo building and causes damage to structural components on all floors. Does the ISO CP 10 30 Special Causes of Loss cover this?…
Personal Lines
Property Coverage for Damage Caused by Windblown Lake Ice
A home is located on a lake that is covered in ice during the winter. In the spring, when the ice breaks up, a strong wind “pushes” ice across the…
Insuring “Other Structures” on HO-6 Condo Policies
An HO-6 condo form includes only Coverage A and C for direct damage to property…that is, no Coverage B. What if the insured owns a structure not attached to the…
Insuring Hot Tubs on an HO Policy
An HO customer’s hot tub is damaged by the freezing of a water line. Does the ISO HO-3 cover this cause of loss? What if the root cause is mechanical…
Bad Exclusions, Trial Lawyers, and Big I Advocacy
Sometimes we come across policy exclusions that shouldn’t be there but, due to human error, they’re there. If such inappropriate exclusions are used to deny a claim, what should be…
The “Where You Reside” Issue…Next Steps
On October 1, 2015 in most states, ISO’s new HO endorsements designed to resolve the potential “Where You Reside” coverage gap became effective. In less than two weeks later, we…
New Homeowners Endorsements Help Solve Huge Coverage Gap
Earlier this year, the Insurance Services Office (ISO) introduced six new Homeowners endorsements that have been described as “the most important change in the Homeowners Program in 40 years.” The…
The Insurance Implications of the U.S. Supreme Court Same-Sex Marriage Ruling – Personal Lines Edition
On June 26, 2015 in Obergefell v. Hodges, the U.S. Supreme Court in a 5-4 decision ruled in favor of same-sex marriage. So what does this mean for you and…
Coverage for Potted Trees, Shrubs and Plants Under HO Policies
Does the trees, shrubs and plants Additional Coverage in a Homeowners policy apply inside and outside the home? Does it apply to plants in a yard or to potted plants…
ISO Files Most Important Homeowners Change in 40 Years – Update
This is a follow-up to our original article about this 2015 ISO HO change and includes a link to our recorded 90-minute webinar on the change and an important Q&A.
