Though your insurance policy protects you from a variety of perils, a contractor’s faulty workmanship or an injury on the jobsite are two risks that are typically excluded. If structural work fails, there is no coverage available under many property … Read More
If you have properties in coastal locations, it’s not always clear if you have coverage when a tropical storm or hurricane comes through. Damage can be caused by the force of the winds, rain driven by those winds, storm surge … Read More
Many assume that pools, trampolines and other recreational equipment sitting in the yard are insured. Some also make the assumption that if a person (child or adult) is injured while using this “outdoor equipment”, coverage will be available to help … Read More
Many people think they are automatically covered for Water Damage that results from a burst pipe at their investment property. The fact is, Water Damage from a burst pipe is not covered under the Basic Form, but only under the … Read More
There are several layers of confusion relating to coverage for Theft and Vandalism. First, many people are unclear about what constitutes Theft versus Vandalism or even Burglary. Another confusion is whether the Theft, Vandalism and Burglary coverages are available … Read More
The Basic, Broad and Special Forms on which property policies are written offer different levels of coverage. Basic and Broad Form are “named peril” policies, meaning perils must be listed within the policy to be covered. Special Form is written … Read More