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FC&S Insurance

Flood Coverage

 On the ISO Flood Coverage Endorsement Form, CP 00 10 10 12,Does the form intend to cover:Water under the ground surface pressing on, or…
2 minute read

FC&S Insurance

When Insured’s Damage Affects Other Side of Duplex

Currently working on a fire loss that occurred in our insured’s tenant occupied duplex.  The damages will likely be a total loss and require…
1 minute read

FC&S Insurance

Notification of Replacement Cost instead of Actual Cash Value

Loss Settlement - covered damage to a building is reported in excess of 180 days from the date of loss (but within two years). The delay is not prejudicial…
2 minute read

FC&S Insurance

Non-related Residents-Are They Insureds

The question I have is regarding a loss which occurred in IL and is looking at the ISO HO-3 10/00 for coverage. The named insured's (NI) live in girlfriend…
2 minute read

FC&S Insurance

Television Damaged by Rain

We have a circumstance where a homeowner was throwing a backyard football party for some of his friends.  They had brought the big screen television…
2 minute read

FC&S Insurance

Appraiser Objectivity

When involved in an appraisal I have found it more and more common that the appraiser for the insurance company goes to the insurance company for instructions…
1 minute read

FC&S Insurance

Calculation of Repair or Replacement Costs

My client lives in Marin County, California where the costs of the building trades are much higher than in other areas. A dispute has arisen because the…
2 minute read

FC&S Insurance

Oil Delivered into Basement

An oil company delivered oil to the wrong address and filled the basement with oil causing damage. Is the sudden & accidental escape of fuel into the…
1 minute read

FC&S Insurance

On and Off Premises Losses of Power

The AAIS Form 3 Ed 2.0 appears to exclude coverage for damage caused by a power surge, low power or brown out if the (Sudden and Accidental Damage from…
4 minute read

FC&S Insurance

Property Damage by SWAT

SWAT team legally via search warrant forced entry to the home to detain tenants. Is damage by SWAT team to doors/windows excluded under COL - Special 10…
2 minute read

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