Does the HO ‘Neglect’ Exclusion Apply to Roof Snow Accumulation?
What if snow that accumulates on a roof over time results in collapse? Could the carrier deny the claim, citing the “Neglect” exclusion in the HO policy due to the…
Commercial Lines
Surface Water Revisited
An insured suffered severe water damage to the interior of the second floor of a dwelling. A heavy rain storm caused water to accumulate on a second floor deck which…
The HO Policy and Underground Leaks
A contractor built a new inground pool for the insured. After the pool was installed, an underground leak was discovered in a water line between the house and pool after…
What is “Fragile”?
A large, ornate wooden bowl was scheduled on the insured’s HO policy. The bowl was accidentally broken and the insurer denied the claim citing the exclusion for “breakage of art…
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 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…
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…
Workers Compensation and Illegal Immigrants
One of the few email discussion lists I participate in is a Yahoo! Groups list called “RiskList.” Recently, the topic of discussion was illegal aliens and workers compensation. Some of…
Monitoring the Mod
In your agency, I bet it is common practice to review renewals 6-8 months in advance, right? Right! (he says sarcastically) Well, if the workers compensation is experience rated, there…
More NCCI Experience Mod Q&A
Our “Ask an Expert” service got this question recently: “I have a customer that has not had a workers comp loss in over 8 years. How do you explain that…
