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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.
Ask The Experts ›As an FC&S Online subscriber, you can email your most challenging questions to our highly-skilled editors. It’s like having a personal staff of J.D.s and CPCUs on hand at all times.
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.
Installation Floater—Subcontractor's Vandalism Loss Q Our question concerns a dispute as to whether wiring installed by our insured, an…
Fire Legal Liability under the CGL Form Our insured employs medical personnel on a temporary traveling basis; that is, if a nurse or other medical professional…
Completed Operations Liability — Coverage Territory Limits Q What are the territorial limitations in a commercial general liability (CGL) coverage…
Air Conditioning Unit Not Classified as an Appliance My insured has CP 00 10 04 02 and CP 10 30 04 02 coverage forms applicable with replacement cost…
Debris Removal Coverageand Coinsurance Provision Q I’m adjusting a loss on a property that is insured on an ISO commercial property form CP…
Reimbursement for Expenses to Prevent Further Loss Q We insure a nursing home on a CP 00 10 04 02 with CP 10 30 04 02 attached. Recently, it was hit…
EIFS Application and Resulting Water Damage Our insured is a subcontractor. He installed the stucco on a newly constructed home using the exterior insulation…
Boiler Damage — Condition or Event Inside? Q Our insured, covered on the commercial property policy CP 10 30 10 90, suffered the following loss.…
Losses due to Noncompliance with ADA Requirements Excluded from Coverage under BP 04 46 The policy I am looking at is a BP 04 46 01 96 and contains…
Collapse Loss or Wet Rot Loss? Q A church we insure recently suffered a collapse loss. The roof collapsed due to rotten timbers, and blew out two…