Hello 2drawers. Before I tell you why we need legal advice or who "we" are, read the following questions...

1.) Can anyone recommend a good case law database that has a 24 hour (or more) free trial? Here is an example of such a database/site: FastCase.com

2.) Would any of you happen to be lawyers who would be willing to give out free legal advice? (why should you? see below for more details)

3.) Maybe you're not a lawyer but you're well read in property insurance law and case law, would you be willing to help us interpret a property insurance contract?

Who are we? An Equine Facilitated Psychotherapy Program for troubled, abused and misguided female youths (mostly teenagers). I can't give out our name or any specific details on this public thread but I can go into more detail in memos or e-mails. I know this is an odd request to post on 2draw but if any of you can assist us in anyway, we'd appreciate it (per the questions above). This request is not in reference to any active cases or litigation, we're just collecting information at the moment. We've been working on this for a month or so, collecting related case law documentation and defining contract terms. Let us know if you can help, I can provide you with all our information. Thanks.

-Cloxboy

you esploded my brainzzz!

Years back there were books called F.C. & S. Bulletins we insurance types would subscribe to. They were full of interpretations of all existing insurance terminology, and full of case examples that had actually occurrred, and how they were adjudicated, and WHY. I have not seen a set , physically, in years, but I would be willing to bet they still exist somewhere. They were published by the Insurance Services Office (ISO) to the best of my remembrance. Those might be useful. Dunno.

Dave: We've got documentation of the current state regulatory bulletins relevant to our case and selected terms. Right now, we need to define some unique terms within a property insurance contract and determine if these particular terms fall under "interpretive and ambiguous" or are the terms clearly defined by the contractor with no room for interpretation. Apparently, if a property insurance policy has a term that is "ambiguous" and there is a disagreement between the insurer's and insured's interpretation of this ambiguous term , the insurer is responsible/liable for making that contract ambiguous and the law sides with the insured.

The ISO has been helpful, they were one of the first internet resources I bookmarked when I started researching our case.

National Underwriter is actually the publisher of the F C&S Bulletins.. thats actually what they did. They analyzed actual wording.. cases that were tried.. and how the ambiguities were interpreted, and why..with cases to substantiate them.. they were great resources

Dave: Thanks, that was very helpful. I signed up on the National Underwriter website, they've got some great documentation, accompanied by analysis of all the legalese. They also do free consultations, which is exactly what we were looking for. Thanks again Dave!

Glad I was able to help!

equine..lol.

where do you live?
if you live in the san jose like area turn on the radio to 810
free legal advice certain talk show
its valid too

I'm good Mooki, thanks.

fabulous.