Virtual University

A skunk entered the basement of a house through a cat door and sprayed the area. Is animal spray excluded from homeowners coverage under the pollution exclusion?

An insured is separated from her husband and wants to stop paying the premium for the vehicle he drives. If an accident were to occur, would she be liable for anything pertaining to the policy or accident?

A barge service was installing a boat lift for a client when the wind shifted directions and pushed the barge into another dock, causing $6,000 in property damage. The carrier is denying coverage because the boat was moved by the wind.

After a fatal accident in which the victim was hit by an underinsured driver while driving an unlisted tractor, the carrier says uninsured/underinsured motorist coverage does not apply.

The carrier denied coverage, saying the building is appurtenant to the scheduled garage because it is closer to the garage, the activities usual to the house do not depend on the building, and the insured uses the building to avoid having to go back to th

Experts outline the differences in coverage and scope.

The building’s previous owner may have not replaced the roof after a previous hail storm, and the carrier denied the current owner’s claim after a more recent hail storm because it’s classified as old damage.

A carrier is saying an electric surfboard is a hovercraft, but the the agent argues that an electric surfboard would be a watercraft, less than 50 horsepower, and therefore would be covered under the homeowners liability.

What issues might come up if a property owner does not carry their own property and liability insurance because, based upon the triple net lease, the tenant must provide all of this insurance for the landlord?

If an insured requests to remove a vehicle from their personal auto policy on the day it was sold, should the change be made effective that same day or the day after?