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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.
June 17, 2014Our insured carries a commercial auto policy (garage policy). It has collision and comprehensive coverage. Our insured owns an open…
Warped Siding and Solar Energy June 10, 2014 A client of ours, who has an HO5 form, recently submitted a claim for the warping of their vinyl siding,…
Questions application of the blanket limit of insurance in a valued policy state.
Business License Claimed to Be Business Personal Property May 6, 2014 A policyholder owned a grandfathered business license, which…
Clogged Drain Causes Water Loss May 19, 2014 We have a client with a CP 10 30, Causes of Loss—Special Form with a Property Coverage Extension endorsement. This…
Can backup of downspouts and gutters that causes interior building damage be covered under a backup of sewers and drains extension of coverage? The…
Interpreting “Ownership” or “Use” under the BOP May 13, 2014 Insured is a tenant restaurant. Named insured parked his Vespa…
Building Property versus Business Personal Property May 6, 2014 Our insured is a dentist with a Businessowners BP 00 02 form. The insured…
Vacancy Penalty at Center of Coverage Dispute May 6, 2014 We have a client who has water damage caused by the sprinkler system. The insurance…
Insurable interest of a unit owner's bank.