IN Property & Casualty case studies

IN Property & Casualty · Put your knowledge to work in context.

The Indiana Property and Casualty Producer license is a state credential, administered through the Indiana Department of Insurance (IDOI), that allows a person to sell, solicit, and negotiate property and casualty insurance in Indiana. It suits people entering insurance sales, agency owners and staff, customer service representatives moving into licensed roles, and career changers who need a resident property and casualty line. The IN Property & Casualty case studies are 5 cases and about 3,999 words.

Whose Loss Is It? Insurable Interest, Additional-Insured Tenders, and a Subrogation Demand After a Tenant-Caused Fire

Marisol Vega owns a 24,000-square-foot warehouse in Fort Wayne and leases the east half to Keystone Fabrication on a five-year lease. Section 14 requires Keystone to carry 2 million in CGL limits naming Marisol as an additional insured, to insure its own equipment and inventory, and to have both parties waive all rights of recovery against the other for property damage to the extent insured, with each party causing its property insurer to waive subrogation.

825 words, about 4 min 2

The Coinsurance Trap: A Deliberately Undervalued Plant and a $500,000 Fire

Hawk Electronics owns a 40,000-square-foot plant in Columbus, Indiana. Its commercial property policy shows a 1,500,000 building limit on a replacement-cost basis, an 80% coinsurance clause, a 10,000 deductible, no agreed value option, and no blanket or reporting form.

774 words, about 4 min 3

Completed Operations, the 'Your Work' Exclusions, and a Late-Notice Defense Under Indiana Law

Ridgeline Roofing of Greenwood carries an occurrence-basis CGL with 1,000,000 each occurrence, 2,000,000 general aggregate, 2,000,000 products-completed operations aggregate, and a 10,000 per-occurrence deductible. In April, Ridgeline's own crew finished a TPO membrane roof on a strip mall.

768 words, about 4 min 4

One Burst Pipe, Three Problems: A Homeowners Claim With Mold, Additional Living Expense, and a Code Upgrade

The Whitakers own a 1978 house in Noblesville covered by an HO-3: Coverage A 450,000 (replacement cost), B 45,000, C 225,000, D 180,000, E 300,000, F 5,000, a 1,000 deductible, and a 10,000 water-backup sublimit. In January the supply line to the second-floor washing machine burst overnight.

905 words, about 5 min 5

Minimum Limits, Comparative Fault, and the Underinsured Motorist Claim in an Indiana Intersection Crash

Nathan Cole, 23, lives with his parents in Indianapolis and is a listed driver on their auto policy: liability limits of 25/50/25 - Indiana's minimum - with uninsured/underinsured motorist limits of 100/300, 5,000 medical payments, and a 500 deductible. In August, Nathan ran a red light and struck a car driven by Priya Raman.

727 words, about 4 min