Virtual University

A windstorm blew some shingles off a wood shake roof, but due to the roof’s age, repairing the damage would do more damage to the existing shingles.

A high net-worth prospect lives in a home that is owned by a trust in their spouse’s name. How can the agent make sure the trust and the individuals are covered?

How are defense costs handled in this scenario? Is the insured responsible for these costs?

How should the agency respond? And how can agencies curb the trend of COI requests becoming more and more onerous?

If a customer declines coverage, how long does their declination stand for?

An insured is considering renting their second home out out on VRBO or Airbnb. What homeowners insurance options would cover this risk?

The carrier is covering water damage to a nail salon’s pedicure platforms, but says the restoration expenses to remove the water and mold should be paid by the landlord’s policy.

An insured owns a shopping center with several restaurants. Failure to comply with the protective safeguards listed in the endorsement over which the insured has control would result in no coverage for a fire loss.

After a lawn irrigation pipe ruptured, water flooded the insured’s home and caused damage to the basement.

If an insured has a fire within a rented space that consumes it and moves outward into the neighboring retail space, what limits would respond?