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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.
Theft of Tenant’s Property February 10, 2014 We have a homeowner's HO-03 policy. We have a four car garage on our property and rent part of it…
Bond for Embezzlement by Escrow Agent February 10, 2014 Is there a type of bond that would indemnify a lender in the event an escrow agent embezzles…
Discusses theft of property from boat.
Pool Liner and Concrete Block February 4, 2014 Insured has an in ground pool. Water collected on the cover and pulled down on it, causing one of the…
In-laws Are Not Insureds February 4, 2014 Our insured has an HO6 policy and owns a second floor condo that he rents out to his in-laws at a reduced…
Multiple Mortgagees February 4, 2014 There was a fire loss in Wisconsin where the seven-figure home sustained a devastating house fire. The house had…
Guaranteed Replacement Cost and Repair or Replacement February 4, 2014 The policyholder has the guaranteed replacement cost endorsement (GRC) on her…
Removal of skunk spray and residual odor.
Heating Service Overfills Oil Tank February 3, 2014 I have a homeowners claim that is insured with ISO form HO 03 04 91. The cause of loss is an oil…
Alternate Employer Endorsement An Especially Useful Tool for Temporary Staffing Agencies January 27, 2014 Summary: To the extent…