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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 blew out four laptop computers. Does artificially generated electrical current exclusion on property cause of loss form prevent coverage for the computers?
Fire Damage to Car from Negligent Battery Replacement Excluded as “Work You Performed”? The insured replaced a battery in a customer's…
What Constitutes “a Short Time”? In definition 4 of "coverage territory" on the CG 00 01 12 04, part c. (2) indicates that coverage…
Dish installed on roof leads to damage that's not discovered until later. What is the date of loss?
Excluded "Backup" or Covered "Overflow" of Plumbing on Homeowners? Our customer is insured under an HO 00 03 05 01. His small son flushed a tennis ball…
Damage to Roof—Subsequent Interior Damage Covered? Our insured has an HO 00 03 10 00. A few months ago, following a downpour, he noticed some…
Exclusions—Typographic Arrangement Important in Interpreting Policy Language Please help us to resolve a matter of interpretation of homeowners…
Exclusions—Typographic Arrangement Important in Interpreting Policy Language Please help us to resolve a matter of interpretation of homeowners…
When the amount of property loss exceeds the policy limit, what is considered the total amount of the loss?
Damage to Roof—Subsequent Interior Damage Covered? Our insured has an HO 00 03 10 00. A few months ago, following a downpour, he noticed some wet…