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FC&S Expert Coverage Interpretation

FC&S Expert Coverage Interpretation is an authoritative and widely cited insurance reference solution that provides information and interpretations on property & casualty coverage in an unbiased manner.

  • HO 04 61 05 11

    April 23, 2019 | Form ISO Programs

    Scheduled Personal Property Endorsement.

  • DP 00 08 12 02

    April 23, 2019 | Form ISO Programs

    Modified Loss Settlement - Applies to DP 00 01 only.

  • Second Circuit Says Policy May Be Rescinded Prior to the Submission of a Claim

    April 22, 2019 | Historical Lit Watch

    Early in April 2019, the Second Circuit Court held that an insurer does not need to wait until a claim has been submitted under the policy before it can seek rescission of the policy based on material misrepresentation by the insured.

  • False Claim Fraud, April 2019

    April 22, 2019

    Fraudster was not a passenger in the vehicle during the accident which she claimed injured her back.

  • Bugs in the Engine

    April 22, 2019 | Questions & Answers

    Discusses engine damage caused by bugs.

  • test indenting format

    April 19, 2019

    Regular Text.Insuring Agreement/CoverageSix level example: 1. the centipede was happy quite Level 1 a. until the frog for fun Level 2…

  • Personal Auto Policy Definitions

    April 19, 2019 | Discussion

    Words and terms that have a contractually defined meaning that applies throughout the personal auto policy (PAP) are collected in one section called the “Definitions” section.

  • DP 04 95 07 14

    April 19, 2019 | Form

    Limited Water Back-up and Sump Discharge or Overflow Coverage

  • IL 09 35 07 02

    April 19, 2019 | Form

    Exclusion of Certain Computer-Related Losses. Modifies Commercial inland marine, property, crime and fidelity, and standard property.

  • Faxes Considered Damage Despite Incorrect Assumption that Recipients Had Agreed to Reception

    April 17, 2019 | Historical Lit Watch

    The U.S. Court of Appeals for the 11th Circuit has ruled that in the following case the insurer had no duty to cover a class action lawsuit alleging that its insured had sent hundreds of thousands of ”junk faxes”, even if the insured took this action based on the belief that the recipients had agreed to receive the faxes. In handing down this decision the 11th Circuit agreed with the federal district court in Georgia.

    • Load More Stories

  • PP 03 23 09 18

    April 16, 2019 | Form

    Miscellaneous Type Vehicle Endorsement

  • PP 03 28 09 18

    April 16, 2019 | Form

    Miscellaneous Type Vehicle Amendment Motor Homes

  • HO 06 15 02 17

    April 16, 2019 | Form

    Trust Endorsement.

  • Business Owner Filed Claim for Burned Building Hours After Talking to Bankruptcy Attorney

    April 15, 2019

    A Florida Express Lube and Auto Repair business owner filed a claim for burned business hours after consulting a bankruptcy attorney.

  • Do Floods Have to be Named?

    April 15, 2019 | Questions & Answers

    Discusses flood loss and declaration of flood.

  • Childhood Diseases Return

    April 15, 2019 | Core Article Library Discussion

    Discusses the current measles outbreak and possible coverage issues.

  • PM 00 01 12 02

    April 14, 2019 | Form

    Personal Inland Marine Common Policy Provisions

  • PM 02 03 12 02

    April 14, 2019 | Form

    Coverage at Additional Residence - for use with Personal Property Form.

  • PR 20 00 09 08

    April 14, 2019 | Form

    Additional Insured - Employees. Modifies coverage under Physicians, Surgeons and Dentists Professional Liability Coverage Part (occurrence version).

  • PR 04 01 09 08

    April 14, 2019 | Form

    Contractual Liability Coverage Extension. Modifies Hospital Professional Liability Coverage Part.

    • Load More Stories

  • HO 05 43 10 00

    April 14, 2019 | Form

    Residence Held in Trust.

  • PM 02 04 12 02

    April 14, 2019 | Form

    Automatic Increase in Insurance - for use with Personal Property Form.

  • DL 98 08 03 18

    April 14, 2019 | Form

    Personal Umbrella Liability Policy Trust Endorsement

  • HO 04 11 05 11

    April 11, 2019 | Form

    Additional Limits of Liability for Coverages A, B, C, and D

  • MH 04 02 05 11

    April 10, 2019 | Form

    Actual Cash Value Mobilehome Endorsement

  • MH 04 03 05 11

    April 10, 2019 | Form

    Transportation/Permission to Move Endorsement

  • HO 04 56 05 11

    April 10, 2019 | Form

    Special Loss Settlement

  • HO 00 02 05 11

    April 10, 2019 | Form ISO Programs

    Homeowners 2 Broad Form - Named perils for coverages A, B, and C.

  • HO 17 34 10 00

    April 10, 2019 | Form

    Uni-owner Modified Other Insurance and Service Agreement Condition

  • DP 04 95 07 14

    April 10, 2019 | Form ISO Programs

    Limited Water Back-up and Sump Overflow Coverage. Scheduled limit.

    • Load More Stories

  • HO 00 01 04 91

    April 10, 2019 | Form ISO Programs

    Homeowners 1 Basic Form - withdrawn from all states.

  • CY 00 01 01 18

    April 10, 2019 | Form ISO Programs

    Commercial Cyber Insurance Policy

  • MH 04 06 10 10

    April 10, 2019 | Form

    Property Removed Increased Limit endorsement for Mobile Homes MH 04 06 10 00

  • Workers Compensation Should Cover Injury Despite Levels of Cocaine In Employee's System

    April 08, 2019 | Historical Lit Watch

    Injured while working, an employee is still entitled to workers' compensation benefits despite a positive test result for cocaine immediately after the injury occurred.

  • Agent, CEO, and President Stole $270k in Premium Payments - Agent Fraud

    April 08, 2019

    An insurance agent, acting president and CEO of an insurance agency in Massachusetts has embezzled over $270k from client companies.

  • Determining Loss of Business Income

    April 07, 2019 | Questions & Answers

    Discusses how business income is determined when the insured could have profited from a change in the availability of other businesses.

  • Your Belongings Form

    April 07, 2019 | Discussion ISO Programs

    This article discusses the new ISO coverage form for personal property for those who move frequently.

  • HO 05 30 05 11

    April 01, 2019 | Form ISO Programs

    Functional Replacement Cost Loss Settlement

  • HO 04 81 05 11

    April 01, 2019 | Form

    Actual Cash Value Loss Settlement

  • Woman Filed Claim for Same Ring Twice, and Continued to Wear It.

    April 01, 2019

    False Claim Fraud — WashingtonAmount: $10,617A Washington woman pleaded guilty to one felony count of filing a fraudulent insurance claim for a…

    • Load More Stories

  • Window Wells and Surface Water

    April 01, 2019 | Questions & Answers

    This question clarifies water that falls into window wells versus water that falls on the ground.

  • Aliens and Insurance

    April 01, 2019 | Core Article Library Discussion

    This article discusses the possibility of insurance when alien forces cause damage.

  • Nevada Supreme Court Adopts Minority Bad Faith Viewpoint

    April 01, 2019 | Historical Lit Watch

    The Nevada Supreme Court adopted a minority bad faith viewpoint in the case Century Surety Co. v. Andrews.

  • HO 04 54 05 11

    April 01, 2019 | Form

    Earthquake - schedules deductible percentage amount.

  • March Madness Insurance

    March 27, 2019 | Core Article Library Discussion

    This article discusses March Madness and the property and liability insurance issues involved.

  • Medical and Adult Marijuana

    March 26, 2019 | Charts Core Article Library Discussion

    This article reviews marijuana legality, cases, state regulations, and insurance issues.

  • Ride-Sharing Insurance Regulations

    March 26, 2019 | Charts

    This chart shows current insurance requirements by state for ride-sharing companies.

  • Cell Phone Restrictions by State

    March 26, 2019 | Charts

    This chart provides current cell phone and texting restrictions by state.

  • Agent Stole the Identities from his Fellow Church-goers for Life Insurance Policies.

    March 25, 2019 | Discussion

    A life insurance agent stole the identities of dozens of his church mates in order to file over 80 fraudulent life insurance policies.

  • Repairs to Pipe not Covered

    March 25, 2019 | Questions & Answers

    Discusses repairs to pipe that caused water damage to rest of building.

    • Load More Stories

  • Employer that Failed to Respond to Negligence Suit of Employee Did Not Waive Right to Workers Comp.

    March 25, 2019 | Historical Lit Watch

    The Court of Appeals of Arkansas determined that a company that did not respond to its employees' negligence suit did not waive its right to the exclusive remedy provision of workers' compensation.

  • The Myth of Full Coverage

    March 25, 2019 | Core Article Library Discussion

    This article discusses the common misperception among insureds that "full coverage" exists on auto policies.

  • Yet Another Reason for Flood Insurance

    March 25, 2019 | Discussion

    This article discusses flooding from rivers, snow melt, and wildfires.

  • Mother, Foster-Daughter Duo Claimed $400,000 of Fake Medical Payments

    March 18, 2019

    A mother and foster-daughter duo faked dozens of ailments for insurance payouts and to receive short-term disability.

  • Insurer Reliance Solely on Its Hired Physicians Opinion Could be Bad Faith

    March 18, 2019 | Historical Lit Watch

    When an insurer relied solely on its own physician's opinion, giving no weight to the insureds' treating physician, the court determined that the issue of bad faith should be decided by a jury.

  • Ice, Snow, and Collapse

    March 18, 2019 | Questions & Answers

    Discusses the difference between ice and snow, and the meaning of collapse.

  • New Hampshire Supreme Court Determines that Medicinal Marijuana is Reimbursable Under Workers' Compensation

    March 11, 2019 | Historical Lit Watch

    Medicinal Marijuana can be reimbursed by an employees workers compensation insurance if all prongs are satisfied.

  • Fraud of the Week: One of Kreidler's Most Wanted Turned Himself In.

    March 11, 2019

    Fraudster turns himself in after spending nearly 7 months on Kreidler's insurance fraud most wanted list.

  • Exclusion of Opioid Use

    March 11, 2019 | Questions & Answers

    Discusses language surrounding Opioid use and coverage.

  • California no Longer Allowed to Gender Discriminate When Setting Rates for Auto Insurance

    March 11, 2019 | Discussion

    Gender Discrimination in Car Insurance Rating is finally becoming a thing of the past.

    • Load More Stories

  • How to Navigate the New FC&S Expert Coverage Interpretation

    March 04, 2019 | Core Article Library Discussion

    This article introduces the new FC&S platform with guidance as to what you will find and how to use the new site.

  • Former Agent Fakes Cancer for Insurance Payout

    March 04, 2019

    A former insurance agent pretends to have cancer for over $300,000 gain.

  • Frozen Pipes, Vacancy, and Date of Issue

    March 04, 2019

    Presented here is a question concerning vacancy, frozen pipes, and date of issue.

  • Liability for Rented Office Exposure of Flight School

    March 04, 2019 | ISO Programs Questions & Answers

    Question regarding how to cover only the liability for the rented office of a flight school owned by the insured and located at the airport.

  • Reservation of Rights to Named Insured Found Ineffective Regarding Individual Insureds.

    March 04, 2019 | Historical Lit Watch

    An insurer started to defend a company with an effective reservation of rights, but that ROR was found to be ineffective as to two officers of the company.

  • FP 00 14 04 16

    March 03, 2019 | Form

    Farm Property - Barns, Outbuildings and Other Farm Structures Coverage Form

  • FP 04 20 04 16

    March 03, 2019 | Form

    Foreign Objects in Machinery FP 04 20 04 16

  • FP 04 09 04 16

    March 03, 2019 | Form

    Increased Special Limits on Business Property

  • FP 04 08 04 16

    March 03, 2019 | Form

    Farm Computer Coverage 04 08 04 16

  • FP 04 04 04 16

    March 03, 2019 | Form

    Dwelling and Farm Building Replacement Cost Protection FP 04 04 04 16

    • Load More Stories

  • FP 04 07 04 16

    March 03, 2019 | Form

    Increased Special Limits on Specified Household Personal Property FP 04 07 04 16

  • FP 04 02 04 16

    March 03, 2019 | Form

    Sump Overflow and Water Backup From Sewers or Drains (Coverages A, B, C and D Only) FP 04 02 04 16

  • FP 03 05 04 16

    March 03, 2019 | Form

    Windstorm or Hail Percentage Deductible FP 03 05 04 16

  • FP 04 80 04 16

    March 03, 2019 | Form

    Rental to Others - Theft Coverage FP 04 80 04 16

  • FP 13 02 10 06

    March 03, 2019 | Form

    Report of Values FP 13 02 10 06

  • FP 15 01 04 16

    March 03, 2019 | Form

    Disruption of Farming Operations (income loss and expense coverage) FP 15 01 04 16

  • FP 10 40 04 16

    March 03, 2019 | Form

    Causes of Loss - Earthquake Form FP 10 40 04 16

  • FP 10 14 04 16

    March 03, 2019 | Form

    Theft Exclusion FP 10 14 04 16

  • FP 10 15 04 16

    March 03, 2019 | Form

    Windstorm or Hail Exclusion FP 10 15 04 16

  • FP 04 61 04 16

    March 03, 2019 | Form

    Scheduled Personal Property FP 04 61 04 16

    • Load More Stories

  • FP 10 04 04 16

    March 03, 2019 | Form

    Livestock - Additional Causes of Loss FP 10 04 04 16

  • FP 04 28 04 16

    March 03, 2019 | Form

    Coverage G - Barns, Outbuildings, and Other Farm Structures - Blanket Insurance

  • FP 00 13 04 16

    March 03, 2019 | Form

    Farm Property - Farm Personal Property Coverage Form

  • FP 04 24 04 16

    March 03, 2019 | Form

    Spoilage Coverage - Perishable Farm Personal Property FP 04 24 04 16

  • On-Demand Meal Delivery

    February 25, 2019 | Discussion

    This article details the differences between the insurance necessary for full coverage when driving for Uber and driving for UberEATS.

  • Farm Property Endorsements

    February 25, 2019 | Discussion Endorsements ISO Programs

    Provides brief descriptions, in alphabetical order, of the ISO farm property coverage endorsements.

  • Parent Company Not Liable for Death of Subsidiary Worker

    February 25, 2019 | Historical Lit Watch

    The US third circuit court of appeals has found that under the circumstances at hand, a parent company is not liable for the death of a subsidiary worker.

  • Fig Tree Invades Neighbor's Yard

    February 25, 2019 | Questions & Answers

    This discusses coverage when an insured's tree sends suckers into the neighbor's yard.

  • Former Socialite Tries to Cash in on False Claim.

    February 25, 2019

    A former socialite is found guilty of insurance fraud and faces up to 60 years in prison.

  • FL 00 20 04 16

    February 22, 2019 | Form

    ISO Farm Liability Coverage Form 00 20 04 2016 edition

    • Load More Stories

  • Care, Custody or Control Exclusion and Tenant's Business Personal Property

    February 19, 2019 | ISO Programs Questions & Answers

    Question regarding care, custody or control exclusion with respect to tenant's business personal property damaged in leased space.

  • No Heightened Requirement for Consequential Damages Sought By Insured at Least at the Pleading Stage

    February 18, 2019 | Historical Lit Watch

    The Supreme Court of New York allowed a consequential damages claim when the plaintiff fulfilled the pleading requirement by specifying the types of consequential damages claimed and alleging that such damages were reasonably contemplated by both parties prior to entering into the contract.

  • Water Seepage A Result Of Water Main Break

    February 11, 2019 | ISO Programs Questions & Answers

    Question regarding water seepage in insured's basement following a break in the water main pipe.

  • Motorcycle Policy Reinstated After Accident

    February 11, 2019 | Discussion

    A fraudster got an insurance policy reinstated the day after he wrecked his motorcycle.

  • Is a Flood Caused by a Storm Surge Covered?

    February 11, 2019 | Historical Lit Watch

    The US Court of Appeals for the Second District's decision suggests that a storm surge from Superstorm Sandy could be covered.

  • A New Kind of Storm

    February 07, 2019 | Core Article Library Discussion

    A rating scale has been developed for storms known as Atmospheric Rivers. This article explains the storms and how they relate to tornadoes and hurricanes.

  • Beamer Torched, Caught on Tape - Iowa

    February 04, 2019 | Discussion

    Beamer torched for insurance money, arson caught on tape.

  • Is Property Damage Covered Under PAP?

    February 04, 2019 | Questions & Answers

    Virginia anti-subrogation rule.

  • The Role of the Insurance Department

    February 04, 2019 | Core Article Library Discussion

    This discusses the many ways the insurance department regulates and monitors the insurance industry.

  • Update: Bad Faith. Even if it's the Stance of Your Employer, You Could Suffer the Consequences.

    February 04, 2019 | Historical Lit Watch

    The Washington Supreme Court will soon address the issue of whether a bad faith suit can be brought against an insurer employee.

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  3. 10 dumbest states for financial literacy in 2019

  4. Widely used construction form barred insurance subrogation claim, court confirms

  5. Protecting your customers’ personal data

Resources

  • How to Reduce Claims Risk with Legal Analytics

    How to Reduce Claims Risk with Legal Analytics

    From Lex Machina

    Claims departments need data insights during both the claim and litigation process. Find out how to get the analytics you need both before and after a lawsuit is filed!

    Download Resource ›

  • 2019 Future of Claims Study: Balancing Automation and Empathy

    2019 Future of Claims Study: Balancing Automation and Empathy

    From LexisNexis Risk Solutions

    Are insurance carriers’ claims processes aligned with consumer expectations?

    Download Resource ›

  • Top Strategies for Auto Insurance CFO's: Modernizing Claim Payments

    Top Strategies for Auto Insurance CFO's: Modernizing Claim Payments

    From VPay®

    A high-quality digital service experience is quickly becoming your organization’s most valuable differentiator. Do you have the tools in place to deliver the best customer service?

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  • A Time of Change in Small Commercial Insurance: Turning Gaps into Opportunities

    A Time of Change in Small Commercial Insurance: Turning Gaps into Opportunities

    From LexisNexis Risk Solutions

    There are clear gaps within current processes and capabilities that you can turn into actionable opportunities. Find out how to take action now.

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  • Top Strategies for Reining in Workers' Compensation Claims Costs

    Top Strategies for Reining in Workers' Compensation Claims Costs

    From VPay®

    Addressing the hidden administrative costs around payments could save hundreds of thousands of dollars.

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  • How to Be Indispensable to Your Clients

    How to Be Indispensable to Your Clients

    From KPA

    Unlock the secret to selling in a competitive price environment and get ahead of your peers.

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  • Overcoming Market Saturation: How Producers Can Grow Their Book of Business

    Overcoming Market Saturation: How Producers Can Grow Their Book of Business

    From KPA

    Use this no-nonsense approach to grow your book of business and gain a competitive edge. Learn why differentiation could be your best marketing strategy.

    Download Resource ›

Browse More Resources →

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