Personal Lines

Variations on a Theme: Another Look at the Teen Driver Coverage Gap

Have you ever had an attorney or other “expert” advise one of your customers with a teen driver to place that teen on his or her own policy (usually at…

Car and piggy bank budget. Financing, auto tax, insurance and car loans, savings concept.

PAP Coverage for Damage Due to “Freezing”

The temperature got so cold that the vinyl flooring in an insured travel trailer cracked. Is this damage excluded by the “freezing” exclusion in the ISO Personal Auto Policy or…

Frozen ice covered plants in hoarfrost with light bokeh. Gentle winter background with sun flare. Winter natural plant background in cold blue tones. Selective focus.

Thermal damage to Vinyl Siding…Covered by an HO Policy?

A homeowner has his vinyl siding painted a darker color. Direct or reflected sunlight then causes the siding to warp. Does his HO policy cover this damage? If liable, does…

Row of colorful, red, yellow, blue, white, green painted residential townhouses, homes, houses with brick patio gardens in summer

Commercial Property Coverage for Public Water Main Breaks

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,…

04 February 2019 Townsville, Qld - Suburbs adjacent to Townsville's Ross River were flooded when two millions litres of water was released every second from the city's dam. Unprecedented rainfall in the week leading up to this event saw the dam's level rise to nearly 250% - Photo: Cameron Laird (Ph: 0418 238811 - cameron@cameronlaird.com)

HO Liability Coverage for Floating Dock

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…

Aerial view luxury motor boat. Drone view of a boat sailing. Top view of a white boat sailing to the blue sea. Motor boat in the sea. Travel - image.

HO Dock Damage…Water or Wind?

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…

ACV vs. RC Recovery in Liability Claims – Revisited

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…

Nature disaster and business insurance concept. Copy space of small home model into water and smooth wave background.

Joint Custody Insurance Issues

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…

The Homeowners Policy and Sewer Backup

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,…

Exterior view of modern apartment building offering luxury rental units in Silicon Valley; Livermore, East San Francisco bay area, California

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