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Independent Agent Magazine

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Does a Homeowners Policy Cover a Water-Damaged Subfloor That Contains Asbestos?https://www.iamagazine.com/strategies/does-a-homeowners-policy-cover-a-water-damaged-subfloor-that-contains-asbestosDoes a Homeowners Policy Cover a Water-Damaged Subfloor That Contains Asbestos?After the client submitted a claim, the restoration company found asbestos in the subfloor that was damaged in the claim incident. The adjuster is denying any coverage for the removal of the subfloor.5/10/2024 4:00:00 AMHomeownersHomeownersStrategiesBig “I” Virtual University Faculty
Citizens Partners with EZLynx to Provide Homeowners Quotes in Floridahttps://www.iamagazine.com/news/citizens-partners-with-ezlynx-to-provide-homeowners-quotes-in-floridaCitizens Partners with EZLynx to Provide Homeowners Quotes in FloridaThrough Citizens, more than 7,000 agents will receive no-cost access to the EZLynx Rating Engine to enable them to quote home and dwelling fire policies in Florida.5/9/2024 4:00:00 AMHomeownersHomeowners In the NewsNewsAnneMarie McPherson Spears
What Endorsement Adds an HOA as an Additional Insured to a Renters Insurance Policy?https://www.iamagazine.com/strategies/what-endorsement-adds-an-hoa-as-an-additional-insured-to-a-renters-insurance-policyWhat Endorsement Adds an HOA as an Additional Insured to a Renters Insurance Policy?An agency is getting regular requests from homeowners associations (HOAs) to list the HOA as an additional insured on its tenants’ renters insurance policies. However, the carriers will only list the HOAs as certificate holders or additional interests.4/26/2024 4:00:00 AMHomeownersHomeownersStrategiesBig “I” Virtual University Faculty
Insuring Half a Duplex: Roof Damage and Ordinance or Law Coveragehttps://www.iamagazine.com/strategies/insuring-half-a-duplex-roof-damage-and-ordinance-or-law-coverageInsuring Half a Duplex: Roof Damage and Ordinance or Law CoverageA client is purchasing half of a duplex to rent on a long-term lease. The underwriter says that coverage should be written on an HO3 policy with an endorsement providing coverage for rental to others. 4/19/2024 4:00:00 AMHomeownersHomeownersStrategiesBig “I” Virtual University Faculty
High Net-Worth Homeowners Face Headaches Amid a Lack of Capacityhttps://www.iamagazine.com/markets/high-net-worth-homeowners-face-headaches-amid-a-lack-of-capacityHigh Net-Worth Homeowners Face Headaches Amid a Lack of CapacityAffluent homeowners face issues because of an aggregation of high-value homes in areas that are becoming riskier due to changing weather patterns. 3/11/2024 10:25:00 AMHomeownersHomeownersMarketsWill Jones
HO4 vs. HO6: Golf Cart and Apartment Improvements in Retirement Communityhttps://www.iamagazine.com/strategies/ho4-vs-ho6-golf-cart-and-apartment-improvements-in-retirement-communityHO4 vs. HO6: Golf Cart and Apartment Improvements in Retirement CommunityWhich policy would a couple living in a retirement community need to cover their improvements? Would it also cover their golf cart? 3/8/2024 5:00:00 AMHomeownersHomeownersStrategiesBig “I” Virtual University Faculty