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Determining Whether a Relative is a Resident Under a Homeowner’s Policy

Most subrogation professionals have encountered a strong subrogation claim against a negligent third party who does not have his or her own liability coverage, but whose relative – most likely a parent –has a homeowner’s policy which may cover the

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The Filed Rate Doctrine

Imagine that your insured’s house has caught on fire, but when a firefighter attempts to connect the water hose to the hydrant nearest the home, he cannot open the valve because he turned the valve in the wrong direction, breaking

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