• The Nuclear Problem and Domestic Terrorism

    The Nuclear Problem and Domestic Terrorism Over the past few weeks, North Korea has been testing Intercontinental Ballistic Missiles (ICBMs) and the United States has been saber rattling in response. This has alarmed many, and the fear of a nuclear strike, especially for those in Guam, Hawaii or...

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  • Preventing Theft During the Holiday Season

    Preventing Theft During the Holiday Season They're making a list and checking it twice – and we don't mean Santa. Burglars know that the holiday season means its prime time for them to stock up on some goodies of their own. They plan ahead to take advantage of unsuspecting individuals who are...

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  • The Hazardous Cure for Droughts

    The Hazardous Cure for Droughts In 2015 we wrote an article about Droughts and Insurance, as the drought in California that affected several other states was particularly severe. That drought continued in many states until recently, when strong storms have brought rain and snow to the area. But...

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  • Hurricane Season and Insurance Coverage

    Hurricane Season and Insurance Coverage Summary : Regardless of the name of the hurricane or where it makes landfall, insurance coverage—or lack thereof—is one of the most critical items to be examined. The fallout from Hurricane Katrina and the standard flood exclusion in homeowners led to...

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  • Termites Did Not Cause a “Collapse” under the Policy in Place

    Termites Did Not Cause a “Collapse” under the Policy in Place In June of 2017, the Supreme Court of Kentucky affirmed the decision of the appellate court and determined that the mere presence of hidden insects did not constitute a collapse as defined in the homeowners policy that was...

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  • Bad Faith Isn't So Bad When No Damages Are Suffered

    Bad Faith Isn't So Bad When No Damages Are Suffered The Supreme Court of Washington recently determined that a law firm with an insurer as a client may defend a policyholder of that insurer in an unrelated matter, without creating a conflict of interest. They do not even have to disclose to the...

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  • Non-related Residents-Are They Insureds

    Non-related Residents-Are They Insureds The question I have is regarding a loss which occurred in IL and is looking at the ISO HO-3 10/00 for coverage. The named insured's (NI) live in girlfriend falls off the deck due to the railing not being maintained appropriately by the NI. She dies as a...

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  • Questions of Coverage for Certain Named Perils

    Questions of Coverage for Certain Named Perils December 5, 2017 Windstorm, Explosion, Riot, Aircraft-Vehicle, Smoke, and Vandalism Introduction The coverages of windstorm or hail, explosion, riot, civil commotion, damage by aircraft or vehicles, and smoke were the first coverages to expand the...

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  • The Appraisal Process

    The Appraisal Process The appraisal process is one of the more confusing sections of any policy. When and how an appraisal can and should be used is often the source of confusion. The policy language is virtually identical across lines of business with very minor differences. In the homeowners...

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  • Homeowners Hurricane Deductibles

    Homeowners Hurricane Deductibles A standard homeowners policy covers damage from wind. However, damage from hurricane strength winds is a different matter and can cause severe damage to property, even demolishing buildings. Many states in hurricane prone areas have developed specific deductibles...

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  • California's FAIR Plan Policy Isn't So Fair

    California's FAIR Plan Policy Isn't So Fair This week a California Court of Appeals overturned the District courts' decision that California FAIR Plan's policy of providing the cost of repairing a lower income fire-damaged home wasn't required, even though a similar loss in a wealthy neighborhood...

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