Personal Lines

In July 2015, on the campus of UCLA, a 30-inch water main had some sort of catastrophic failure, causing a massive geyser of water, estimated to be around 30-feet high,…

An insured owns a home on the water and he has a floating dock anchored next to a buoy approximately 150 feet from shore. He wants to know if the…

A boat dock was damaged by boats blown in a windstorm. The adjuster has denied the claim, citing the “water damage” exclusion reference to water damage “whether or not driven…

A burst water pipe in a neighbor’s yard causes water damage to flooring in your insured landlord’s rental home. The rental home DP insurer denies the damage, citing the “surface…

An agency insured has joint custody with his ex-wife of their 17-year-old daughter. The daughter lives with the insured during the school year but spends most of the summer and…

An ISO PAP is issued to mom and dad for 4 autos, 3 owned by dad and 1 owned by an adult son. Mom and dad drive 2 of the…

Homes and the personal property within them are the frequent victims of sewer backup that originates on or off the residence premises. The question is, to what extent, if any,…

A squirrel entered a community center building that had just undergone a $2 million renovation. It either gnawed some wiring or otherwise came in contact with the electrical system, causing…

An insured backs into his wife’s car, damaging both vehicles insured under the same policy. The deductible provision says no deductible applies if an insured vehicle collides with another vehicle…

Concealed weapon and other gun laws seem to be proliferating around the country. Sooner or later, an insured or prospect is going to ask you if their insurance covers them…