Be Aware of Recent Revisions to ISO Commercial Property Coverage Forms

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It needs to be emphasized that these revisions are fairly new and it is unlikely that all insurers will adopt them immediately. It is, therefore, important to read the policy when a claim occurs and to be especially mindful of the edition date of the policy. Regardless of when the various states adopt the revisions, the forms will have an edition date of October 2012 (e.g., CP 00 10 10 12).

____________________ 1 Specified Causes of Loss include: fire, lightning, explosion, windstorm or hail, smoke, aircraft or vehicles, riot, vandalism, leakage from fire extinguishing equipment, sinkhole collapse, volcanic action, falling objects, weight of snow, ice or sleet, and water damage.


Robert J. Prahl, CPCU

Robert Prahl has more than 30 years of experience in the insurance business, primarily in claims and claims training. He began his career as an adjuster in the New York metropolitan area and eventually became a claims manager and claims training director. He has written extensively on insurance issues, having authored two text books for the Insurance Institute of America and previously served as a columnist for Rough Notes magazine, an insurance trade publication.


126 Business Park Drive Utica, New York 13502 800.382.2468 Outside U.S. (315) 797.3035 FAX: (315) 272.2054



Ronald A. Cuccaro, SPPA


Sheila E. Salvatore

ADJUSTING TODAY is published as a public service by Adjusters International, Inc. It is provided for general information and is not intended to replace professional insurance, legal or financial advice for specific cases.

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Adjusting Today Basis for Institutes CE Courses

The Institutes, the leader in providing knowledge solutions for risk management and the property casualty insurance industry, offers continuing education courses based on technical information compiled from issues of Adjusting Today . The courses — “Valuing a Property Insurance Claim” and “Natural Disasters: Coverage Issues”— include seven modules each and are approved for credit by insurance departments in most states. They are offered to property insurance producers, adjusters or both, depending on the state, for up to three continuing education credit hours per course. More information is available at