• Popular Frozen Pipe Insurance Coverage Questions

    Popular Frozen Pipe Insurance Coverage Questions Frozen Pipes, Vacancy, and Date of Issue We have a Homeowners 3 policy issued on January 23, 2019. A Claim came in on February 11, 2019 for freezing and water discharge discovered on February 9, 2019. Basement has standing water with about 2″ of...

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  • Personal Property of Others in Comparison with Bailees Coverage

    Personal Property of Others in Comparison with Bailees Coverage What is the difference in coverage between personal property of others and a bailees form? If I insure a small art framing shop that has $10,000 of customers goods, I would use a bailee form but I'm not sure why. Connecticut...

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  • Damaged Water Pipe: Is the Loss of Water Covered?

    Damaged Water Pipe: Is the Loss of Water Covered? Hidden leaks in heating or water supplies can cause rot and other damage if left untreated. (Photo: Shutterstock) Every claim is different, and some insurance policies can be difficult to interpret for unique situations. FC&S Expert Coverage...

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  • Your Home and Viruses – Is there Coverage for Clean-up?

    Your Home and Viruses – Is there Coverage for Clean-up? I am responding to a recent e-mail I received. There was a Q&A wherein it was asked if someone came into an office who had COVD-19, would clean-up be covered. I have been asked the same question with respect to a personal HO3 and...

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  • FC&S Coronavirus Questions & Answers

    FC&S Coronavirus Questions & Answers FC&S has been writing about COVID-19 and the coronavirus from the beginning and will continue to do so. The subscribers have also started sending in questions. So you can see what others are asking quickly and easily, here is a list of all questions...

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