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Coverage issues
310370-00
Unoccupancy and vacancy
I have several homeowners on Long Island who have been devastated by a severe storm. In one particular case, the structure is currently uninhabitable and the homeowner is now living in an apartment about 10 miles away from the home. The flood claim has not been settled and the property has not yet been repaired. At what point does the home become either “unoccupied” or “vacant”? I was looking for a definition, but could not locate one. Does the 60-day rule apply when there is a claim?
900319-00
Coinsurance on a business income policy
What does the coinsurance value of 125% on a Business Income policy mean?
900441-00
Business interruption—curfew
Will business interruption coverage apply to income losses resulting from the orders of curfew?