An insured’s fence was damaged by wind and the carrier denied the building and personal property coverage claim. However, an endorsement adds coverage for appurtenant buildings or structures.
An insured is listed as a covered individual on the drive other car endorsement of a business auto policy. He rented a vehicle personally and was involved in an accident. The carrier is denying the claim.
A used car dealer purchased a pickup truck with a falsified title. The truck had been previously totaled. The customer is being prosecuted, but the car dealer wants to file a claim.
A homeowner had a loss where the HVAC system’s condensate pump failed due to a mechanical breakdown. The HO3 policy with an equipment breakdown endorsement—form 16016—with a separate $500 deductible appears to indicate the condensate pump and the resulting water damage should be covered under the equipment breakdown endorsement. The insurance carrier says otherwise.
An insured wants to downsize. They sell their house, move in with in-laws and buy a tenant homeowners policy with a Coverage C limit of $105,400. However, thieves break into the storage facility and steal everything.
If a certificate of insurance (COI) holder is shown as an automatic additional insured when required by contract through a blanket additional insured endorsement and the coverage is cancelled, does the agent need to notify the certificate holder of the cancellation?
An agency insures several contractors that do work for unit owners within a homeowners association (HOA). The HOA asked to be an additional insured on these contractors’ policies. Without incurring a large expense by scheduling the HOA as each job arises, what is the best way to endorse the contractors’ policies to include the HOA…
A general contractor filed a claim after tools were stolen from an employee at an active construction project location. The carrier denied coverage, saying that the tools were not located at the insured’s premises.
Heavy rain overwhelmed a French drain outside of a commercial insured’s building, which caused water to back up into the building. The carrier denied the claim because the drain was exterior.
The new endorsement protects truckers by expanding coverage for perils attributed to wetness, rust and corrosion, as well as driver error and changes in temperature on refrigerated loads.
