• Weather Terms You Should Know

    Weather Terms You Should Know As the season for storms rapidly approaches, it seems like a good time to clarify the terms for different warnings. Just what is an advisory, watch, or warning? Which is more severe and requires immediate action and which requires a person to just pay a little more...

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  • Disaster Compendium Part II

    Disaster Compendium Part II In conjunction with the article What You Need to Know About Disasters is a disaster compendium that contains information as to season, areas at risk, frequency, intensity, and safety steps to take if you are in an area affected by certain disasters. This part contains...

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  • What You Need to Know About Disasters

    What You Need to Know About Disasters April is the beginning of tornado, and in some ways, disaster season. Many insureds feel secure in their homes but are not aware of how frequently floods, snow melt, tornadoes and other natural disasters occur or what they should do in order to be prepared....

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  • Disaster Compendium Part I

    Disaster Compendium Part I In conjunction with the article What You Need to Know About Disasters is a disaster compendium that contains information as to season, areas at risk, frequency, intensity, and safety steps to take if you are in an area affected by certain disasters.   ...

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  • No Insurance Coverage Provided for a Sexting Teacher under his Homeowners Policy

    No Insurance Coverage Provided for a Sexting Teacher under his Homeowners Policy The U.S. District Court for the Western District of Oklahoma affirmed a lower court decision that a homeowners policy did not provide coverage for claims asserted in a civil action brought against the defendant by a...

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  • Non-Damaged Property that Required Replacement after Superstorm Sandy is Not Covered

    Non-Damaged Property that Required Replacement after Superstorm Sandy is Not Covered A New Jersey federal district court has ruled that homeowners were not entitled to coverage for property that was not damaged by Superstorm Sandy, even if that property had to be replaced in order to work with...

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  • Fencing Interpreted as Part of a Dwelling under the Texas Supreme Court

    Fencing Interpreted as Part of a Dwelling under the Texas Supreme Court This week the Texas Supreme Court reversed the ruling of the appellate court and decided that the homeowner's interpretation of their insurance policy was reasonable and that it afforded coverage for fencing that was attached...

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  • Waiver Does Not Create Coverage

    Waiver Does Not Create Coverage In a case where the insured alleged that he had coverage because an employee of the insured waived all policy defenses when he told the insured that his claim was covered, the district court granted summary judgment in favor of insurer/defendant MemberSelect,...

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  • Manmade Earthquakes: Fracking and Wastewater Injection

    Manmade Earthquakes: Fracking and Wastewater Injection Hydrologic fracturing, also known as fracking, has become an issue to many due to concerns that it contaminates ground water and causes earthquakes. While fracking has received a lot of attention, wastewater disposal is equally at fault....

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  • Attractive Nuisances

    Attractive Nuisances Summary : “Attractive nuisance” is a term well known within the insurance industry; it is something hazardous that is tempting and can be harmful to children. It is something that would draw children into an unfenced yard because the object looks like fun or is fascinating,...

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  • Estranged Husband as a Resident Spouse

    Estranged Husband as a Resident Spouse The plaintiff auto insurer brought an action against the defendant insurer, seeking a contribution from the defendant toward underinsured motorist (UIM) and personal injury protection (PIP) benefits that the plaintiff paid to its insured. This case is IFA...

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