Staff Writer
January 04, 2018 | FC&S Insurance
Oil Delivered into BasementAn 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…
By ICLC Staff Writer
1 minute read
January 04, 2018 | FC&S Insurance
On and Off Premises Losses of PowerThe 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…
By ICLC Staff Writer
4 minute read
January 04, 2018 | FC&S Insurance
Property Damage by SWATSWAT 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…
By ICLC Staff Writer
2 minute read
January 04, 2018 | FC&S Insurance
Functional Replacement Cost when Items not ObsoleteMy question is in regards to Functional Replacement Cost (FRC) - the definition refers to "obsolete, antique or custom construction". What happens when…
By ICLC Staff Writer
2 minute read
January 04, 2018 | FC&S Insurance
Water Back-up Due to Power Outage at Treatment PlantWe have an ISO form policy. HO 00 03 04-91, special form. The town our insured is in sustained heavy wet snows totaling about 16”. …
By ICLC Staff Writer
1 minute read
January 04, 2018 | FC&S Insurance
Coverage for Theft in Non-Valet Section of Golf Course Parking LotWe have a golf course client that purchased Garagekeepers Coverage (CA 99 37 10 13) with direct, primary Comprehensive. The reason for buying the coverage…
By ICLC Staff Writer
3 minute read
January 04, 2018 | FC&S Insurance
Application of Deductible for Two Close, but Unrelated LossesInsured’s policy is the Homeowners 3- Special Form HO 03 10/00. Insured has a wind loss claim to roof of June 23, and the living room ceiling later…
By ICLC Staff Writer
2 minute read
January 04, 2018 | FC&S Insurance
When are Expenses Incurred?When an insured hires a builder to make repairs, signs a contract with the builder, have they in fact "incurred" the cost and be entitled to the portion…
By ICLC Staff Writer
1 minute read
September 13, 2017 | FC&S Insurance
Insurer has to Pay for Wrongful ConvictionLast week, the Court of Appeals for the Sixth Circuit overturned the decision of a lower court in an insurer dispute. The court decided that Selective…
By ICLC Staff Writer
4 minute read
September 13, 2017 | FC&S Insurance
Trailer is Not a WarehouseRecently the United States Court of Appeals for the Second Circuit upheld a lower court’s ruling that a trailer is not a warehouse covered by a Marine…
By ICLC Staff Writer
3 minute read
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