FC&S Expert Coverage Interpretation

When the damage to the vehicle isn't actually from a deer.

This discussion analyzes the various endorsements available to provide some type of drive other car coverage under the commercial auto policies.

When a roof is damaged by wind, hail or some other covered loss, it's not unusual for worn decking to be discovered when the roof is removed for repairs. That worn decking also needs to be repaired. The question then becomes does the wear and tear exclusion apply, or should the repair to the decking be considered part of the roof claim? This article reviews the issue and how it should be handled.

How do you buy property insurance for something that cannot be touched? The literal impossibility of physical damage is a red flag to many insurers.

An adjuster goes bad and makes fraudulent payments, falsifies documents, and commits other bad behaviors.

When a roof is damaged and during repair it is discovered that the decking is worn, should the decking be covered as part of the loss?

CP 00 90 07 88 Commercial Property Conditions form.

CP 00 60 06 95 Leasehold Interest Coverage Form commercial property endorsement.