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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.
Ask The Experts ›As an FC&S Online subscriber, you can email your most challenging questions to our highly-skilled editors. It’s like having a personal staff of J.D.s and CPCUs on hand at all times.
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.
Sprinkler System Covered under Commercial Property Policy? Q Our insured has ISO commercial property form CP 00 10 10 91 with open perils causes of…
Animal Chewing Not a Result of InfestationWe have a commercial property claim where the property management company for a housing subdivision…
Extremes of Temperature Exclusion Q Our insured coats fixtures and then passes them through an oven to bake. A sink fell off the oven conveyor belt…
Loading of Truck Causes Claims Conflict Between BAP and CGL Forms Q Our insured is a real estate developer and general contractor. He hired an independent…
Builders Risk—Value of theBuilding on the Completion Date Q The builders risk coverage form (CP 00 20 04 02) has what amounts to a 100 percent…
Exhibitions and Off-Premises Loss Q I have a commercial property client covered under the CP 00 10 04 02 policy who had a 24' box trailer stolen off…
Remediation Costs for Gutting Building Our client carries building and personal property coverage under a CP 00 10 form with an endorsement for ordinance…
Questions whether the blanket limit covers both building and business personal property when the Declarations only shows building.
Ordinance or Law Not Applicable to Construction of Parking Lot An insured has a building with no parking. A current ordinance requires buildings to…
Latent Defect Exclusion Q Our insured's walls were painted red years ago. Some time thereafter, the walls were papered. Recently, our insured had…