• 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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  • Workers Compensation for Domestic Employees

    Workers Compensation for Domestic Employees The subject of domestic employees and whether or not workers compensation is required for them is often confusing. Domestic employees could be housekeepers, nannies, gardeners, or others who work around the home. Some are household members with lodging...

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  • Sexting Statutes by State

    Sexting Statutes by State Summary : The following chart outlines what the states say about sexting and what is considered child pornography, nudity, and sexual conduct, what is excluded from sexting, and affirmatives defenses for children and adults.   State & Statute Sexting Laws Child...

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  • Discussion of a Collapse Claim

    Discussion of a Collapse Claim In this action, the insureds challenge the insurer's failure to provide coverage for the damage to basement walls of their home. This case is Roberge v. Amica Mutual Insurance Company, 2015 WL 9480008 . The insureds asserted that the basement walls of their home...

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  • Ordinance or Law Provision

    Ordinance or Law Provision This insurance coverage dispute arises from property damage at condominiums in Louisiana. This case is Houston Specialty Insurance Company v. Meadows West Condo Association, 2016 WL 81487 . The property is an eighteen-building, 124-unit condominium. The property was...

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  • Sinkhole Collapse and Mine Subsidence

    Sinkhole Collapse and Mine Subsidence What Is Encompassed by These Endorsements? Summary : Loss resulting from mine subsidence and sinkhole collapse are excluded causes of loss on most homeowners forms. Coverage can be purchased for this exposure when allowed (or mandated) by law or when an...

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  • Governmental Action

    Governmental Action Summary: Property coverage forms commonly contain exclusions for loss caused by governmental or public authority's destruction, confiscation, or seizure of property. However, denial of coverage was far from being a done deal. This article, discusses the application of the...

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  • Meaning of Physical Abuse

    Meaning of Physical Abuse The homeowners insurer for a gun owner brought an action against the shooting victim for a declaratory judgment that an intentional shooting was physical abuse and thus, excluded from coverage. This case is Miglino v. Universal Property & Casualty Insurance, 174 So.3d...

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  • Number of Occurrences under Discussion

    Number of Occurrences under Discussion The plaintiff filed a complaint seeking a declaratory judgment that an attack by two dogs constitutes three separate occurrences within the meaning of the policy language. This case is Verlus v. Liberty Mutual Insurance Company, 2015 WL 7170484 . Jean and...

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  • By Order of Civil Authority

    By Order of Civil Authority Summary: Events have spawned increased calls for similar coverages found in two separate forms. On the one hand, the Business Income Form (see, for example, ISO's Business Income (And Extra Expense) Coverage Form, CP 00 30 10 12 ), as an additional coverage, promises...

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  • By Order of Civil Authority

    By Order of Civil Authority Summary: Events have spawned increased calls for similar coverages found in two separate forms. On the one hand, the Business Income Form (see, for example, ISO's Business Income (And Extra Expense) Coverage Form, CP 00 30 10 12 , as an additional coverage, promises to...

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