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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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Residue from Kerosene Lamp December 7, 2012 A kerosene lamp was used at a secondary residence in the springtime. The soot was later discovered…
Dwelling Title in Name of LLC December 10, 2012 Our insured has changed the deed to their secondary dwelling that they are renting to others to the…
Drought and movement of foundation.
Discusses time frame for payment of additional living expenses.
Cleanup of Sewage and Remains in Crawl Space December 3, 2012 We occasionally have a homeowners claim where a house over a crawl space will have a burst…
Self-Propelled Tractor Damages Parked Vehicle November 26, 2012 The insured was in the process of backing a self-propelled tractor (used to aerate lawns)…
Power Surge, Damaged Computers, and Incompatible X-Ray Machines November 19, 2012 A power surge destroyed the insured's computers. The insured is a…
Chinese Drywall What ISO policy exclusion under an HO3, if any, applies to a product defect? We have seen a couple of instances in Louisiana where the…
Hot Tub Loss as Coverage C or Coverage B? Our Insured has a hot tub. It is a self contained unit, located in an out-building, separate from the house.…
Vehicle Related Property Losses 2 claim coverage questions. AAIS Form 3, Ed. 2.0 for Homeowners. 1. Theft of 2 laptops from insured's car. One belonged…