• Debris Removal and Coverage Extensions

    Debris Removal and Coverage Extensions This pertains to a California HO3 ISO HO 00 03 10 00 policy that also carriers the Executive Homeowners Coverage Form UN 09 56 04 09. The question involves the application of the Additional Coverage – Debris Removal. The HO3 policy form reads: Additional...

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  • Sporting Goods and Roof Tiles

    Sporting Goods and Roof Tiles On an HO 00 03 10 00, a lady had literally just purchased one of those freestanding basketball goals to put in their driveway and the kids began playing with it for the first time.  She came home to a bunch of damage to the lightweight concrete roof tiles on...

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  • Raccoon Nest and Clean up

    Raccoon Nest and Clean up Raccoon pushed metal soffit out of J channel got in attic had babies. Company acknowledges for direct damage by raccoon. Is the urine/feces soaked insulation removal, spraying attic with anti-bacterial covered? Smell in living area of house is terrible requiring...

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  • Is a Septic Tank a Sewer?

    Is a Septic Tank a Sewer? We have an HO-3 (5/11) Policy where the yard to the insured risk flooded causing the septic system to back up and flood the home. There is some discussion here on coverage and we wanted to get your opinion. Virginia Subscriber You don't mention if the policy has the...

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  • Ice, Snow, and Collapse

    Ice, Snow, and Collapse I have a claim in Wisconsin in which the insured's garage roof is sagging and one of the walls is bowing out. They did have heavy snow load on the roof and that is believed to be the cause of the sagging and the bowing. The garage is still in use and can be used for its...

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  • Frozen Pipes, Vacancy, and Date of Issue

    Frozen Pipes, Vacancy, and Date of Issue We have a Homeowners 3 policy issued on January 23, 2019. A Claim came in on February 11, 2019 for freezing and water discharge discovered on February 9, 2019. Basement has standing water with about 2″ of ice formed over it. The house was vacant and...

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  • Fig Tree Invades Neighbor's Yard

    Fig Tree Invades Neighbor's Yard It is alleged that our named insured owns property with a fig tree growing on it. The insured's neighbor noticed small trees sprouting onto his property beginning in the summer of 2016. After attempts to kill the small sprouting trees with no relief, the neighbor...

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  • Water as an Insured Object

    Water as an Insured Object Insured carries HO3 5/11. A tree fell on the in ground pool cover and damaged the cover, liner and coping.  To make the repairs to the in ground pool, the water in the pool will have to be removed and replaced. The HO3 5/11 Policy states: 4. Property No t Covered...

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  • Debris Removal Payment when Full Amount not Spent

    Debris Removal Payment when Full Amount not Spent Does the 5% Debris Removal Additional Coverage in a homeowners policy require that the amount of the 5% be actually spent in order for the entire 5% amount to be owed? The coverage says that if the amount of loss and the debris removal expense...

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  • Algae Growth and Fungi

    Algae Growth and Fungi I know of the exclusions for mold, rot, deterioration, etc.  However, I do not think that is what this is. I was just reading this article http://wparc.net/algae-lichen-moss-eating-roof/ and it talks about how algae, lichen or moss “eat” the limestone from...

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