Insureds unexpectedly confined to nursing homes. Forced relocations. Foreclosures. Temporary rentals. Home purchases for children or parents. Allowing a homebuyer to move in before the closing. Renovations and remodeling. These are all situations where adjusters have denied claims and some courts have upheld these denials. If you write any significant amount of homeowners insurance, there is a very good chance that, in the eyes of some adjusters and courts, you have customers who have NO COVERAGE for damage to their homes. What exactly is the problem and solution?