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Questions & Answers
Submit your P&C insurance coverage-related questions to the FC&S expert staff. You can expect a prompt response. Our policy is to answer inquiries within approximately five business days when at all possible.
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Notice: Information provided by the Ask the Experts service is general in nature and intended for educational and informational purposes. The service does not provide legal advice.
Power Surge, Damaged Computers, and Incompatible X-Ray Machines November 19, 2012 A power surge destroyed the insured's computers. The insured is a…
Chinese Drywall What ISO policy exclusion under an HO3, if any, applies to a product defect? We have seen a couple of instances in Louisiana where the…
Hot Tub Loss as Coverage C or Coverage B? Our Insured has a hot tub. It is a self contained unit, located in an out-building, separate from the house.…
Vehicle Related Property Losses 2 claim coverage questions. AAIS Form 3, Ed. 2.0 for Homeowners. 1. Theft of 2 laptops from insured's car. One belonged…
Residency and Ownership October 25, 2012 Our insured was living in a residence located in south-central California approximately 16 months prior to…
Date of Purchase and Date of Vacancy My question involves a dwelling fire policy with basic coverage. The client purchased a home with the intent to…
It seems like we are getting more claims presented for damage perpetrated by insureds' own children. On HO3 coverage what is FC&S's call on damage…
Discusses policy requirement for theft prevention and access through doggie door.
In a multi-family dwelling, what establishes vacancy?
Do gun parts fall under the special limit, or are they separate property?