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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.
Functional Replacement Cost when Items not Obsolete November 6, 2017 My question is in regards to Functional Replacement Cost (FRC) - the definition…
Discusses damage caused by SWAT team trying to arrest tenants.
Off-premises power disruption and damage to property.
Oil Delivered into Basement October 16, 2017 An oil company delivered oil to the wrong address and filled the basement with oil causing damage. Is the…
Calculation of Repair or Replacement Costs October 9, 2017 My client lives in Marin County, California where the costs of the building…
Appraiser Objectivity October 2, 2017 When involved in an appraisal I have found it more and more common that the appraiser for the insurance company…
Television Damaged by Rain September 25, 2017 We have a circumstance where a homeowner was throwing a backyard football party for some…
Flood Coverage September 18, 2017 On the ISO Flood Coverage Endorsement Form, CP 00 10 10 12, ​Does the…
Debris Removal of Trees September 8, 2017 After a windstorm passes through the Insured's premises, the covered property does not suffer any…
When to Add Youthful Drivers to Policy September 5, 2017 It has always been our understanding that youthful drivers with only a drivers permit were…