I See Dead People…Are They Covered?
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…
Commercial Lines
The Concurrent Causation Exclusion
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…
Earth Movement or Falling Object?
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…
The “Wear & Tear” Exclusion
If the volume of “Ask an Expert” questions we get is any indication, the “wear and tear” exclusion in auto and property policies–both personal and commercial lines–is one of the…
Weather and Off-Premises Power Failure
A 17-store chain of restaurants were shut down recently by Hurricane Charley. Direct property damage was actually minor at all locations; however, an area-wide power outage resulted in several of…
Roof Hail Damage and Defective Materials
A 10-year-old condo association building suffered hail damage during a storm. The adjuster claims that there is minimal damage from the hail and that most of the damage is due…
Insurance and Meth Labs
One of the worst scourges of the drug scene involves methamphetamines. Because the drugs are so inexpensive, increasing numbers of teens and others are becoming addicted. Because the drugs are…
