How to Misread an Insurance Policy
A claim was filed against a homeowner for a child injured at a facility being rented by the homeowner. The adjuster has denied the claim, but is the denial correct?…
Homeowners
Using Lawn Tractors Off Premises
An insured keeps a high value lawn tractor at a hunting camp owned by an LLC he’s part of. How does he insure that vehicle and its use? Will his…
HO Coverage for Camper Trailer
Is there liability coverage for a camper trailer while used at a camp site? Is that an insured location? Does the motor vehicle exclusion apply?
Personal Lines Host Liquor Liability Revisited
A guest leaves your party where they consumed too much alcohol, has an accident, and you’re sued. Is this an HO or PAP exposure, or both? If it’s a PAP…
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?…
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…