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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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Note that FC&S is provided for general informational purposes and does not constitute legal advice. You should seek advice from a professional with full understanding of your specific circumstances and objectives before making any business or personal decisions.
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Insurance Coverage Q&A: A Retaining Wall and Water Accumulation
September 18, 2023 | Questions and Answers
Water behind a retaining wall causes it to collapse. Could the failure of drains to remove the water make this a water backup situation?
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Insurance Coverage Q&A: Water Backup and Loss of Income
September 04, 2023 | Questions and Answers
Is loss of income coverage affected when a water backup endorsement is attached to a policy?
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Insurance Coverage Q&A: When You Ask for an Appraisal You have to Share the Results
August 21, 2023 | Questions and Answers
When the insured asks for appraisal on a claim, does he then have to share the appraisal with the insurer?
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Insurance Coverage Q&A: Towing on the Business Auto Policy
August 09, 2023 | Questions and Answers
When a truck is damaged and needs to be towed from the scene of the accident, does towing coverage apply to a symbol 2 vehicle?
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Insurance Coverage Q&A: The Wind, A Tree, and Efficient Proximate Cause
August 03, 2023 | Questions and Answers
When wind causes a tree to fall, is resultant water damage covered as a result of the wind damage?
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Insurance Coverage Q&A: Wind Damage, Faulty Installation, and Ordinance or Law
July 25, 2023 | Questions and Answers
When wind damages property that was installed incorrectly and the local ordinances require undamaged property to be replaced, does the ordinance or law coverage apply?
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Insurance Coverage Q&A: When the SWAT Team Arrives
July 18, 2023 | Questions and Answers
When the SWAT team arrives and discharges tear gas, does the discharge of the gas fit the definition of the smoke peril?
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Insurance Coverage Q&A: The Vacancy Permit and Coverage
July 10, 2023 | Questions and Answers
A question concerning just what coverage is provided when the Vacancy Permit CP 04 50 is used.
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Insurance Coverage Q&A: Hidden Leak but not Behind a Wall
June 20, 2023 | Questions and Answers
When the seepage isn't behind a wall but is behind a moveable object, does the exception apply?
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Insurance Coverage Q&A: Does Your Dog Bite?
June 06, 2023 | Questions and Answers
How does policy language line up with state regulations concerning insurers ability to underwrite based on dog breeds?
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