Risk Identification-Archived Article August 2005 Risks must be identified before they can be properly treated. As obvious as that may sound, it is not…

Collectible Coins and Special Limits Our insured was the victim of a burglary from his residence. Among the items stolen were a collection of coins.…

Crossed Wires Caused Artificially Generated Electrical Current Our insured was changing a light bulb in an old fixture and the wires crossed, causing…

Understanding the cause of loss and coverage when the insured wasn't present to know what happened.

Maryland court holds that absolute pollution exclusion does not bar the duty to defend since it can be interpreted as ambiguous and meant to apply only to environmental pollution.

The Supreme Court of Alaska ruled that an unmarried "spouse" was not covered under an auto insurance policy in Cole v. State Farm Ins. Co., No. S-11460,…

Video Tours  Take a virtual tour of FC&S Online by watching the videos listed below.     Home Page Tour Drilldown Tutorial…

The U.S. District Court for the Middle District of North Carolina ruled that a tenant could recover under the building coverage of a Standard Flood…

Refrigerator with an Odor We had an insured who had their refrigerator stop running while they were on vacation for a week. When they returned it was…

Sales Tax on Contents I am located in North Carolina handling an HO-2 fire claim with ACV only coverage on Cov C for the property owner. We submitted…