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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.
Closing Costs as Part of Replacement Cost January 5, 2015 Our insured has a standard HO-3 policy. They suffered a total loss of their…
Faulty Construction January 5, 2015 Please explain the faulty construction exclusion and when this can be used to deny a claim. I have…
Water from Broken Pipe Moves through Soil before Causing Damage January 5, 2015 The insured has a home insured under an HO 3. The house was damaged…
Additional Insured Endorsement and Coverage for Completed Operations December 29, 2014 Does the Additional Insured - Designated Person or Organization…
Subrogation An Overview December 29, 2014 Reviewed and updated by Barry Zalma, Esq., CFE Summary: The subrogation provision is…
Inflatable Bounce Apparatus and Vandalism December 22, 2014 Our client's business uses an inflatable bounce apparatus that kids play in. The inflatable…
Real Estate Operations Endorsement November 11, 2014 I was presented a claim for damage to business personal property of a tenant under a BOP. A roof…
Care, Custody, or Control Exclusion under Review November 2014 Our insured was remodeling the claimant's home. Part of the remodel was painting, using…
GKLL Coverage or Garage Operations Liability Coverage November 2014 Our insured carries a garage policy to cover a car wash operation. The policy carries…
Damage to Your Work Exclusion under the BOP November 2014 Our insured was cleaning a window by using two extension poles to wash and clean. He put the…