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Illustration of the partial payout of Sum Insured against probability of occurrence. Condition of average (also called underinsurance [1] in the U.S., or principle of average, [2] subject to average, [3] or pro rata condition of average [4] in Commonwealth countries) is the insurance term used when calculating a payout against a claim where the policy undervalues the sum insured.
Buildings are subject to many different risks while under construction. They may catch fire, be damaged by high winds, or fall victim to other force majeure.A principle of common law is that any new construction or other improvement to land becomes property of the owner of the land – the title holder – once there has been an "improvement" to the owner's site.
Even though only partially sunk in shallow water, in 2012 the relatively new cruise liner Costa Concordia was declared a "constructive total loss" due to escalating environmental and salvage clean-up costs. In insurance claims, a total loss or write-off is a situation where the lost value, repair cost or salvage cost of a damaged property ...
Other structures coverage: This coverage may help cover the costs associated with repairing or replacing structures on your property other than your home that were damaged during a covered peril ...
Asking a builder for their experience and references can help you vet them as a high-quality contractor — especially if former clients can tell you how satisfied they were with the projects and ...
An 18th-century fire insurance contract. Property insurance can be traced to the Great Fire of London, which in 1666 devoured more than 13,000 houses.The devastating effects of the fire converted the development of insurance "from a matter of convenience into one of urgency, a change of opinion reflected in Sir Christopher Wren's inclusion of a site for 'the Insurance Office' in his new plan ...
It’s back to the drawing board for the developer of a 550-house development on the defunct Calusa Country Club golf course and another victory for homeowners who have been fighting for years to ...
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