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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.
Flood Policy and Storage of Contents June 19, 2017 We have a flood claim on a property that has suffered water damage to both the dwelling…
One Man’s Treasure June 12, 2017 We insure a Business Auto Policy with Symbols 7, 8 and 9 for Property Damage. Our insured is a…
RCV Holdback When Less than Settlement Amount is Spent for Repairs June 5, 2017 Under the standard HO-3, within the Loss Settlement Condition, there…
Collapse of Hydraulic Platform Attached to Building a Covered Loss May 24, 2017 While the insured was using a hydraulic platform, permanently attached…
Sale of Property and Assignment of Policy May 22, 2017 I have a VA policyholder. I don't have the exact policy form yet but it is an HO…
Intent to Repair or Replace May 15, 2017 The ISO Dwelling 3 policy provides replacement cost benefits. Please provide your interpretation of the application…
When is a condo unit owner an insured under the association policy?
Discusses damage to a property while under construction.
Coverage for Compromised Chemicals under the CGL April 24, 2017 Our operations include the blending and subsequent sale of chemicals, mainly consisting…
Increased Water Bill and Commercial Property Policy April 17, 2017 Our insured recently got a water bill that was thousands of dollars. When he called…