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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.
Spoilage Coverage Does Not Provide Additional Limits We have a CP 04 40 06 95, Spoilage Coverage form on a retail business. Fire destroyed the business,…
Lawn mower as mobile equipment.
Does a wind loss trigger coverage for removal of asbestos?
Spoilation of Evidence Claim and the CGL Form Q I read an article recently that mentioned spoilation of evidence and noted possible coverage issues…
Outdoor Signs and Outdoor Fixtures Covered as Commercial Property? The commercial property coverage form (CP 00 10) insures outdoor fixtures but excludes…
Rented or Occupied Property Covered under CGL Form? Q Our CGL insured is a small electronics manufacturing firm. Frequently, the owner, the named…
When the warranty requires steps beyond the insurance policy.
When the county declares that the building must be razed, is it excluded under ordinance or law?
Property Management Fees a Part of Covered Loss Q I am a public adjuster and many of my clients are represented by property management firms that…
Water Damage Not Caused by Drain Overflow Excessive rain from thunderstorms caused interior water damage to a building through the roof. The building…