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Staff Writer

Staff Writer

January 09, 2018 | FC&S Insurance

Bad Faith Isn't So Bad When No Damages Are Suffered

The Supreme Court of Washington recently determined that a law firm with an insurer as a client may defend a policyholder of that insurer in an unrelated…

By ICLC Staff Writer

5 minute read

January 09, 2018 | FC&S Insurance

No Duty to Defend when Insured Failed to Notify Insurer of Incident for Twenty-One Months

The United States Court of Appeals for the Seventh Circuit decided last week that an insurer had no duty to defend its insured because a twenty-one-month…

By ICLC Staff Writer

5 minute read

January 04, 2018 | FC&S Insurance

Business Income Waiting Period

Coverage is provided under CP 00 10 04/02, special cause of loss form. There are 36 premises on the policy, all providing business income only coverage…

By ICLC Staff Writer

1 minute read

January 04, 2018 | 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…

By ICLC Staff Writer

1 minute read

January 04, 2018 | 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…

By ICLC Staff Writer

2 minute read

January 04, 2018 | 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…

By ICLC Staff Writer

2 minute read

January 04, 2018 | 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…

By ICLC Staff Writer

2 minute read

January 04, 2018 | 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…

By ICLC Staff Writer

2 minute read

January 04, 2018 | 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…

By ICLC Staff Writer

1 minute read

January 04, 2018 | 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…

By ICLC Staff Writer

2 minute read