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ICLC Staff Writer

ICLC Staff Writer

July 11, 2018 | FC&S Insurance

Owner no Longer in Household

We have a claim where the client has an HO-3 policy, but had turned it into a rental property 2 years ago. The insured used to live in the home, which…

By ICLC Staff Writer

3 minute read

July 11, 2018 | FC&S Insurance

Liens and Mortgages on a Property

We have a situation on a property claim that we filed on behalf of the mortgage company on a fire claim; the carrier paid $89,000. But they mailed it to…

By ICLC Staff Writer

1 minute read

July 11, 2018 | FC&S Insurance

Backup of Sewers And Drains

Cause of loss form is Special CP 10 30 10/12. Insured carries $250,000 of contents coverage only. Insured carries a Commercial Property Enhancement Endorsement,…

By ICLC Staff Writer

2 minute read

July 11, 2018 | FC&S Insurance

WHO’S ALLOWED TO SHOOT AT DRONES?

As drones became more popular and concerns arose about privacy and neighbors spying on neighbors, the topic of shooting drones out of the sky came up as…

By ICLC Staff Writer

8 minute read

July 11, 2018 | FC&S Insurance

BREAKING NEWS: SELF-DRIVING VEHICLES HOUSE PROPOSAL HAS PASSED

Summary: Just as we were becoming more used to the idea of self-driving cars, the legislation has been enacted to make the change from human operated to…

By ICLC Staff Writer

5 minute read

July 11, 2018 | FC&S Insurance

COMPARISON OF HOMEOWNERS CHOICE FLOOD POLICY AND NFIP DWELLING FORM

With the NFIP due to expire in September, and the past history of flood catastrophes and hurricanes, there is more and more interest in the private market…

By ICLC Staff Writer

76 minute read

July 11, 2018 | FC&S Insurance

STANDARD HOMEOWNERS ENDORSEMENTS

Tailoring to Coverage NeedsSummary: The coverages of the standard homeowners forms (Forms HO 00 02, 03, 04, 05, 06, and 08) are designed to provide the…

By ICLC Staff Writer

73 minute read

June 26, 2018 | FC&S Insurance

E-Cigarette Use in the U.S.

An OverviewSummary:  E-cigarette use in the U.S. is increasing, particularly among young adults. As a result, in August, 2016 the Food and Drug Administration…

By ICLC Staff Writer

24 minute read

June 25, 2018 | FC&S Insurance

FLOODS, DROUGHTS, AND CLIMATE CHANGE

Nineteen countries have signed the Paris Climate Agreement, which enumerates goals and steps to reduce climate change and mitigate its effect on the world…

By ICLC Staff Writer

4 minute read

June 25, 2018 | FC&S Insurance

DOMINO’S OR UBER: WALMART EMPLOYEES DELIVERING PACKAGES IS SIMILAR TO ONE, BOTH, OR NEITHER?

A June first article in the Washington Post discussed how Walmart, in an effort to cut delivery costs, is allowing employees to volunteer to deliver packages…

By ICLC Staff Writer

3 minute read