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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 utility service exclusion and its application in a claim for extra expense coverage.
Fire Department Clean Up Expenses and the PAP April 1, 2013 It is my understanding that the expenses incurred by a fire department to clean up hazardous…
Withheld Depreciation on a Per Trade Basis March 25, 2013 I am involved in a hail damage property claim insured by policy form BP 00 02…
Loss of Use Claim March 18, 2013 I have a general question with regard to a claim involving damage to the work/work product of the insured and the claim…
Food Spoliation Claim March 18, 2013 The insured has coverage under a CG 00 01 (12-04) form. After completing improper repairs on a refrigeration unit,…
Pollution Exclusion Application March 18, 2013 The insured was hired to install a tracking system at a cheese processing facility that would pull two…
PAP Coverage and Family Member Issues March 18, 2013 Our insured's granddaughter is operating the insured's vehicle (with permission) when she rear…
March 18, 2013Our insured is a towing company. The insured was towing a car out of a ditch with a winch cable with controls on back of the tow truck.…
Pollution Exclusion and Heating Equipment Exception Our insured rented the meeting room of the local fire hall to the blood bank to collect blood donations.…
Scope of Coverage under CGL Form A prospective insured, a scrap dealer, currently is rated (incorrectly, we believe) as an auto dismantler; he also…