Case Alert: November 2012 Freeze-Up Claims in the Wake of “Sandy”

In the wake of “Sandy” and the Nor’easter that hit New Jersey and New York on November 7, 2012, concern has arisen in the insurance industry over not only flood claims, but also freeze-up claims, given how many insureds in these states remain without power and with limited or no access to their homes. As such, this memo will analyze the relevant policy provisions in both MSO and ISO forms, as well as issues that carriers will face. The relevant MSO and ISO policy provisions follow at the end of this memo.

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