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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.
Pollution Liability Coverage under Truckers Policy Our insured has a truckers policy with endorsement CA 99 48 attached; this endorsement provides broadened…
Custom Furnishings Exclusion Applies to Pickups or Vans Under form PP 00 01 01 05, dealing with exclusion 10 under physical damage, it refers to custom…
Towed Vehicle and the Meaning of Disabled November 28, 2011 The Business Auto Form (BAP) is the policy in question. Our insured driver was arrested…
Storm Damage Raises Deductible Questions November 21, 2011 A commercial building sustained wind damage to the roof and interiors as a result of a windstorm.…
Unintentional Damage November 22, 2011 With an impending hurricane coming, the insured boarded his windows with plywood nailing through the vinyl siding…
Deductible Calculation November 22, 2011 In a settlement for contents with no replacement cost coverage so the contents will be settled at ACV only…
Auto Parts as Art Work November 22, 2011 The insured had many classic auto parts on his walls as art. Parts used included a Corvette hood, a steering…
Water Lines as Structures Attached to the Dwelling November 22, 2011 Underground tree roots the insured's water line and sewer lines, which are connected…
Discusses coverage for theft of medical marijuana plants.
How to settle ALE claim when claim exceeds policy time limit for coverage.