TERRORISM AND WAR EXCLUSIONS – A LEGAL ANALYSIS – Claims Magazine INTRODUCTION In light of the catastrophic nature of the losses of September 11, 2001, many have asked us whether

Chimney Damage-Faulty Maintenance or Covered Fire Loss? – Claims Magazine ISSUE The insured homeowner recently had his chimney inspected and was told there were cracks in the flue tiles and

Homeowners Coverage Where Insured Does Not Reside At The Described Premises At The Time Of Loss – Claims Magazine Facts Mr. Widower suffered fire loss to his fully insured single

The Homeowners' Property Bounced Out of Their Truck! Does the Vehicles Peril Apply? – Claims Magazine ISSUE The insured homeowners bought a new table and four chairs from a nearby

Coverage for Partial Business Interruption – Claims Magazine COVERAGE FOR PARTIAL BUSINESS INTERRUPTION ISSUE Is there a "suspension of 'operations'" as required by a business interruption policy when there is

Smoke & Soot Residue From Candle Burning: Is This Type of Loss Excluded Under the Standard Homeowners Policy? – Claims Magazine ISSUE: Over the course of a couple of weeks,

Self Storage, Mini Warehouse, Public Storage: Does a Homeowners Policy Cover Personal Property Stored in a Rental Warehouse? – Claims Magazine ISSUE The insured suffered loss to personal property that

Is There First-Party Coverage for Cows Lost to Stray Voltage? – Claims Magazine Issue: The insured dairy farmer noticed that his dairy cattle were suffering from a number of health

Leaky Underground Pipes, But No Water Damage: Is Tear-Out Covered? – Claims Magazine ISSUE The insured discovered water flowing from beneath a concrete slab in one of the insured buildings.

Replacement Cost Loss Settlement; To What Extent Is Matching Required? – Claims Magazine Issue: A hail storm dented the insured's aluminum siding in 14 locations on two sides of the