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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.
All Named Insureds Not Required to Sign Proof of Loss June 6, 2011 Can an insurer reject a proof of loss because it is signed by one, but not all, named…
Coverage C Limit for Property at Other Residences I am looking for clarification on the ISO contract regarding the 10% of Coverage C limit for…
Liability Coverage When Part of the Property is Leased to an Oil Company On an ISO HO 00 03 10 00 form, the insured leases land to a gas/oil…
Building or Personal Property? Is a refrigerator in an owner occupied dwelling considered part of the dwelling or part of the contents on a DP-1…
Liability for Tractor off Premises We are looking for your opinion regarding liability coverage for a farm/garden tractor under a HO 03 04/91…
Maintenance of a Motor Vehicle on a Homeowners Policy Insured girlfriend's mother was visiting the insured and pulled her auto into insured driveway.…
Single or Multiple Occurrences Insured picked up money from multiple business locations and while in his possession, the vehicle was broken into…
Discusses ALE when only contents are damaged.
Fire breaks out in store, how is property valued?
Road Repairs Covered under HO3? We represent a homeowner insured under an HO-3 in NC. The property is located on top of a mountain in a remote area…