ICLC Staff Writer

  • January 4, 2018 |

    Television Damaged by Rain

    We have a circumstance where a homeowner was throwing a backyard football party for some of his friends.  They had brought the big screen television…

    By ICLC Staff Writer

    1 minute read

  • January 4, 2018 |

    Appraiser Objectivity

    When involved in an appraisal I have found it more and more common that the appraiser for the insurance company goes to the insurance company for instructions…

    By ICLC Staff Writer

    1 minute read

  • January 4, 2018 |

    Calculation of Repair or Replacement Costs

    My client lives in Marin County, California where the costs of the building trades are much higher than in other areas. A dispute has arisen because the…

    By ICLC Staff Writer

    1 minute read

  • January 4, 2018 |

    Oil Delivered into Basement

    An oil company delivered oil to the wrong address and filled the basement with oil causing damage. Is the sudden & accidental escape of fuel into the…

    By ICLC Staff Writer

    1 minute read

  • January 4, 2018 |

    On and Off Premises Losses of Power

    The AAIS Form 3 Ed 2.0 appears to exclude coverage for damage caused by a power surge, low power or brown out if the (Sudden and Accidental Damage from…

    By ICLC Staff Writer

    1 minute read

  • January 4, 2018 |

    Property Damage by SWAT

    SWAT team legally via search warrant forced entry to the home to detain tenants. Is damage by SWAT team to doors/windows excluded under COL - Special 10…

    By ICLC Staff Writer

    1 minute read

  • January 4, 2018 |

    Functional Replacement Cost when Items not Obsolete

    My question is in regards to Functional Replacement Cost (FRC) - the definition refers to "obsolete, antique or custom construction". What happens when…

    By ICLC Staff Writer

    1 minute read

  • January 4, 2018 |

    Water Back-up Due to Power Outage at Treatment Plant

    We have an ISO form policy.  HO 00 03 04-91, special form.  The town our insured is in sustained heavy wet snows totaling about 16”. …

    By ICLC Staff Writer

    1 minute read

  • January 4, 2018 |

    Coverage for Theft in Non-Valet Section of Golf Course Parking Lot

    We have a golf course client that purchased Garagekeepers Coverage (CA 99 37 10 13) with direct, primary Comprehensive. The reason for buying the coverage…

    By ICLC Staff Writer

    1 minute read

  • January 4, 2018 |

    Application of Deductible for Two Close, but Unrelated Losses

    Insured’s policy is the Homeowners 3- Special Form HO 03 10/00. Insured has a wind loss claim to roof of June 23, and the living room ceiling later…

    By ICLC Staff Writer

    1 minute read

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