Input from ACORD Regarding Recent Changes to the ACORD 25
ACORD recently released a new edition of the ACORD 25 (2025/12), now in use. Here is a clarification to any confusion about listing contract not policy limits.
Personal Lines
Introducing the Power of Home Inventory Artificial Intelligence
With more climate-related risks affecting homeowners, helping your clients itemize their home inventories before a loss occurs can save them hours of time and help them recoup more of their…
Church-Owned, Pastor Insured: Is This Correct?
An agent asks: A vehicle is registered to a church that provides the vehicle to the senior pastor and his wife for their personal use. The vehicle is insured on…
Meth Labs, Explosions, and Homeowners’ Insurance
A house exploded in Charlotte, NC. Rumors of a meth lab began to swirl leading to an analysis of the HO policy to answer the question, does the insurance carrier…
CP Coverage for Docks
A dock is damaged by a covered peril but the carrier denies the claim, citing the “piers, wharves, docks” exclusion. You argue that his language applies to permanent docks, not…
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…
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…
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…
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,…
