Dwelling-Homeowners
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Part 3 Homeowners - 6 Unit Owners Form Contract Analysis Section I Perils Insured Against
April 29, 2024 | Contract Analysis
The third in a series explaining the coverages provided in the ISO standard HO 00 06 Unit-owners Form. This article discusses the Section I Perils Insured Against.
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Part 2- Homeowners 6 - Unit-Owner's Form Contract Analysis - Section I Property Coverages
April 22, 2024 | Contract Analysis
The second in a series explaining the coverages provided in the ISO standard HO 00 06 Unit-owners Form. This article discusses the Section I Property Coverages.
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Part 1 Homeowners 6 - Unit-Owners Form Contract Analysis Agreement and Definitions
April 15, 2024 | Contract Analysis
The first in a series explaining the coverages provided in the standard ISO HO 00 06 Unit-owners Form.
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Broadened Home-Sharing Host Activities Coverage Analysis
April 08, 2024 | Contract Analysis
In this article the ISO Broadened Home-Sharing Host Activities Coverage endorsement HO 06 63 that applies to the homeowners and condominium policy is explained.
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When the Roof needs Repair - What about the Decking
December 04, 2023 | Contract Analysis|Core Article Library
When a roof is damaged by wind, hail or some other covered loss, it's not unusual for worn decking to be discovered when the roof is removed for repairs. That worn decking also needs to be repaired. The question then becomes does the wear and tear exclusion apply, or should the repair to the decking be considered part of the roof claim? This article reviews the issue and how it should be handled.
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Incidental Low Power Recreational Motor Vehicle Endorsements
October 23, 2023 | Contract Analysis|Discussion|Endorsements
The homeowners policy excludes most motor vehicles with a few minor exceptions. There are endorsements for certain small, motorized vehicles that allow insurers to either provide coverage for or exclude coverage for vehicles such as motorized bicycles and mopeds.
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Improvements, Additions and Alterations
October 16, 2023 | Contract Analysis
This article provides an overview of additions and alterations coverage for certain dwelling owners, tenants and condominium owners.
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Holding Water - Water Terms Used Within the Homeowners Policy
August 07, 2023 | Contract Analysis|Discussion
Water issues are often confusing and involve multiple undefined terms such as plumbing, sewer, drain, overflow, or discharge. This article reviews how the terms are applied in the homeowners policy.
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FloodFlash Parametric Insurance Policy Analysis - What isn't covered, Service of suit, Law and jurisdiction, and Making a complaint 8-11
April 03, 2023 | Contract Analysis|Core Article Library
This is the fourth and final in a series of articles analyzing the FloodFlash parametric flood insurance policy available now in California, Texas, Louisiana, Florida and Virginia. This article discusses the what isn't covered, service of suit, law and jurisdiction, and making a complaint sections of the policy.
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FloodFlash Parametric Insurance Policy Analysis - Making a Claim, Other Party at Fault, Cancellation 5-7
March 27, 2023 | Contract Analysis|Core Article Library
This is the thirdd in a series of articles analyzing the FloodFlash parametric flood insurance policy available now in California, Texas, Louisiana, Florida and Virginia. This article discusses the making a claim, other party at fault, and cancellation sections of the policy.