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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.
Collision Coverage under a BAP October 27, 2014 The insured has a standard commercial auto policy with the trucker's endorsement, CA 23…
BOP Coverage for Damaged Walls October 20, 2014 We have an insured with a BP 00 03 07 02. The insured suffered damage to two retaining…
Questions if lava flow is excluded based on the landslide/earth movement exclusion of the HO 00 03 and DP 00 03 policies.
Employee as an Insured October 6, 2014 Our insured owns an office building with six floors designated for parking areas to be used by…
Late Estimate and Fair Rental Value October 2, 2014 Our insured had a water loss in a condo under a dwelling fire policy on 7/18/14. The…
A homeowner has a replacement cost policy for the dwelling but has an ACV endorsement for the roof. The roofing material that is currently installed…
Portability and Determination of Personal Property October 2, 2014 A policyholder suffers a fire loss to their detached garage. The insurance…
Engineering Report and Ordinance or Law October 2, 2014 I have an insurance carrier that does not want to pay for the cost of an engineering…
Extension of Liability October 2, 2014 The HO-3 policy covers the residence premises listed on the dec page. If the named insured is no…
Personal Property of Others Coverage in Comparison with Bailees Coverage<br>September 22, 2014<br>What is the difference in coverage between personal property…