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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.
Functional Building Evaluation Endorsement as Applied to Partial Loss December 10, 2009 We have written an old church on a standard ISO form with a…
Vacancy Provision at Center of Coverage Dispute December 10, 2009 Our insured owns and insures several commercial properties that he uses in his business.…
Duty to Notify Insurer of Water Damage under the PAP November 30, 2009 The claim at issue has a date of loss of end of 2008. Although the insured is…
Theft of Proceeds from Auctioned Vehicle November 18, 2009 We have two insureds that were scammed by a used car dealer. One insured has a commercial…
Payment for Antique Knives November 23, 2009 The insured has an HO 04 90 04 91 Personal Property Replacement Cost endorsement. The insured had a collection…
Wear and Tear Exclusion and Oil Discharge November 18, 2009 Our insured has a PAP and the vehicle in question has physical damage coverage. The insured…
How to insured domestic partners.
Swine Flu and CGL Coverage November 16, 2009 The publicity regarding swine flu has raised a question in our office. Will the general liability policy…
Earth Movement Caused by Tree Roots Our insured's detached garage has been damaged by a neighbor's tree roots. As you can imagine, this has been going…
Homeowners Exclusion for Loss Caused by Civil Authority We have an insured with an AAIS homeowners form 3. Recently, the police fired tear gas into…