It would seem counterintuitive for the policy to cover electrical equipment that runs a building but exclude the wire that connects the various pieces of electrical equipment, writes a Michigan subscriber. (Credit: Bacho/Shutterstock.com)
Every claim is different, and some insurance policies can be difficult to interpret for unique situations. FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry, makes it simple to find credible answers to your complicated coverage questions. Analysis brought to you by our FC&S experts.
Editor's Note: Sometimes a loss will involve more than one coverage form and we often see this in large commercial losses. For example, a large fire that destroys a building will likely involve both a commercial property form and an equipment breakdown policy, and possibly an inland marine form as well.
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