Questions and Answers
Submit your insurance policy coverage-related questions to our colleagues at FC&S, ALM's expert policy interpretation solution. Please do not submit legal questions nor expect legal advice. The focus is to explore existing understanding of insurance policy coverage based on the experience of insurance professionals.
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Editors' Favorite Commercial Questions 2023
December 19, 2023 | Questions and Answers
A collection of favorite commercial lines questions selected by the editors for 2023.
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Insurance Coverage Q&A: Roof Damage and Underlying Decking
December 05, 2023 | Questions and Answers
When a roof is damaged and during repair it is discovered that the decking is worn, should the decking be covered as part of the loss?
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Insurance Coverage Q&A: Fences and Builders Risk
November 27, 2023 | Questions and Answers
When working with a Builders Risk form, are fences covered?
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Insurance Coverage Q&A: Proof of Loss Rejected by Insurer
November 21, 2023 | Questions and Answers
When an insurer rejects an insured's proof of loss, what happens next?
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Insurance Coverage Q&A: Power Outage and Spoilage
November 14, 2023 | Questions and Answers
Power outage, spoilage, and related endorsements.
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Insurance Coverage Q&A: Tires and a Nail
November 07, 2023 | Questions and Answers
In this Q&A of the week, an insured runs over a nail with her vehicle and wants to know if it would be a collision loss or excluded under road damage to tires.
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Insurance Coverage Q&A: Stolen Credit Card and False Pretenses
October 31, 2023 | Questions and Answers
When you sell a vehicle to a person using a stolen credit card and the transaction is reversed, does False Pretense Coverage apply?
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Insurance Coverage Q&A: Other than Collision or Full Safety Glass Coverage?
October 24, 2023 | Questions and Answers
Damage to the sunroof by a falling object raises a question of coverage.
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Insurance Coverage Q&A: Incurred Expenses and Diesel Fuel
October 17, 2023 | Questions and Answers
When and insured uses a generator after a power outage, is that a business income expense?
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Insurance Coverage Q&A: Artificial Turf and Trees, Shrubs, Plants and Lawns
October 10, 2023 | Questions and Answers
Is artificial turf part of Coverage B Other Structures, or part of Coverage A or Coverage C?