Tag Archives: Homeowners

Wisconsin Court: Bulldog Attack Not Covered by Insurance Policy

As I have referenced numerous times over the last 8 years or so, dog bites are generating a significant number of liability claims and based on policy language and potentially other issues (such as underwriting guidelines), some of those liability … Continue reading

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Unmarried couples living in the same household – a potential E&O issue?

Today, this is quite possibly much more of an exposure than in recent years – couples that have decided to “live together” without getting married. If the homeowners’ insurance was not modified, would there be coverage for the additional person … Continue reading

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1 in 10 homeowners have this exposure – is it properly insured?

The most recent statistics lists 9.4% of households rent a storage unit and this percentage does not include how many of those actually rent more than one unit and short term renters that rent a unit for a month or … Continue reading

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Is coverage for watercraft sufficient under a HO policy?

Now that it looks like winter is over and we are going right to summer, you might have some clients looking to put their boats in the water for some fun and relaxation. When insuring watercraft, there are typically a … Continue reading

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A Refresher on the Named Storm Deductible

Unfortunately, at the time of a loss (especially a catastrophe), there may be customers that didn’t truly understand how the deductible applies on their insurance coverage. In the following article, published on claimsjournal.com on January 17th, Denise Johnson points out … Continue reading

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“I told you I wanted the coverage”

When explaining the need for prompt and accurate documentation, it is important to understand the “why” behind the issue. For many folks, this is when they are able to truly “buy-in” and do what is needed. A big reason behind … Continue reading

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The latest in Dog Bites statistics

As noted in the attached excellent article published by the Insurance Information Institute (www.iii.org), dog bites and other dog-related injuries accounted for more than one-third of all homeowners liability claim dollars paid out in 2016, costing in excess of $600 … Continue reading

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Number of Dog Bite Insurance Claims Falls But Average Claim Rises to $37K

As noted in the attached article, written by Emma Orr, that appeared on www.insurancejournal.com on May 12, 2016, the issue of dog bites continues to be a major issue facing the insurance industry. Are all carriers addressing this issue in the … Continue reading

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E&O Insights: Personal Lines Generates More Errors & Omissions Exposure than You Think

This is an excerpt from an Insurance Journal article that I authored in the November 16, 2015 edition. “Most agents’ errors and omissions (E&O) carriers report that commercial lines generates the majority of E&O claims. However, a significant number of E&O claims arise … Continue reading

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