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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.
Damage Caused by Seagulls November 23, 2015 We have a customer who is currently experiencing damage to a warehouse and the boats being housed inside…
Coverage for Rented or Leased Solar Panels November 16, 2015 Can you shed some light on coverage for solar panels? These are becoming more and more…
Other Insurance and Additional Insureds Q The other insurance clause on the CGL form stipulates how the coverage is either primary or excess, if other…
Damage to Property Exclusions November 9, 2015 Our insured was under subcontract to install a 922' section of 1800 pair copper cable through a pipe…
Person Living in Unit over Barn October 26, 2015 I have a standard HO-3 on this risk; the insured is in horse country and has a barn with a living unit…
Winterizing Gone Awry October 26, 2015 A client of ours owns a second home in New Jersey and had hired a plumber to winterize his plumbing before the…
Loss Payable Clause versus Lender's Loss Payable Clause November 2, 2015 What are the practical differences between a loss payable clause and a lender's…
Discusses ordinance or law provisions in conjunction with policy language for loss settlement.
State partks and coverage from the homeowners policy when you're staying in the park.
Determining Cause of Loss October 26, 2015 A hole was discovered in a client's pool super structure. They have an all risk policy. The insured believed…