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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.
Discusses the application of the deductible with the 72-hour waiting period.
When are Expenses Incurred? December 4, 2017 When an insured hires a builder to make repairs, signs a contract with the builder, have…
Application of Deductible for Two Close, but Unrelated Losses November 27, 2017 Insured’s policy is the Homeowners 3- Special Form…
When the treatment plant backs up, what is the cause of loss?
Functional Replacement Cost when Items not Obsolete November 6, 2017 My question is in regards to Functional Replacement Cost (FRC) - the definition…
Discusses damage caused by SWAT team trying to arrest tenants.
Off-premises power disruption and damage to property.
Oil Delivered into Basement October 16, 2017 An oil company delivered oil to the wrong address and filled the basement with oil causing damage. Is the…
Calculation of Repair or Replacement Costs October 9, 2017 My client lives in Marin County, California where the costs of the building…
Appraiser Objectivity October 2, 2017 When involved in an appraisal I have found it more and more common that the appraiser for the insurance company…