The Do-It-Yourselfer: How To Value The Cost Of Repair – Claims Magazine Issue When the insured does the work him-or-herself, would the "actual cash value" be calculated differently than if

No Coverage for Missing Property Due to Employee Theft Exclusion – Claims Magazine Issue: The insured is a small lawn and garden store. Several large pieces of equipment for sale

Theft Of Long Distance Telephone Calling Card: Is This a Direct Physical Loss Of Personal Property? – Claims Magazine Issue: The insured's long distance telephone calling card was stolen. As

Calculation of Actual Cash Value When Defined as Replacement Cost Less Depreciation – Claims Magazine QUESTIONS: What are the components of actual cash value when defined as replacement cost less

Might the "Business Pursuits" Exclusion in HO Policy Preclude Coverage for Negligent First Aid at Home Day Care? – Claims Magazine ISSUE: An insured wife operated a licensed home day

ATVs: Are They Subject to Motor Vehicle Registration? – Claims Magazine The ISO HO 00 03 04 91 form states that Property Not Covered includes "motor vehicles." However, the exclusion

Wind Blows Tarp Off Building and Rain Enters – Claims Magazine ISSUE: A contractor hired to repair the roof of a mattress warehouse removed a portion of the roof and

Shady Contractor Cashes Homeowner's Check and Skips Town – Claims Magazine Issue: A man came to the insured's home posing as a contractor. After a brief discussion and negotiation, the

Property Insurance and the Attack on the U.S. – Claims Magazine Coverage for Property Loss, Business Interruption, and Additional Living Expenses "WAR" AND "MILITARY ACTION" EXCLUSIONS In light of the