Problems viewing this email? Click Here February 11, 2016      Q&A of the Week Freezing to Swimming Pool Water Lines A Tennessee subscriber recently asked the following question: Under the HO-3 policy, would freezing to plumbing lines run to an in ground swimming pool and damages to access the lines be covered? The swimming pool is separate from the dwelling but is connected by a concrete patio and concrete around the in ground pool. Should the plumbing lines freeze, a portion of the pool concrete deck would have to be removed to access the plumbing lines to make necessary repairs. The customer keeps the pool running during the winter months but did shut off the pump during a recent weather event in Tennessee where the temperatures were below freezing for several days. ANSWER: Freezing of plumbing and other systems is excluded, as is the discharge or leakage from within the system caused by freezing. Freezing, thawing, or pressure of weight of water to fences, pavements, patios, and swimming pools is also excluded. There would be no coverage, and there are no endorsements that would provide coverage either. Read More    What's New This Week in FC&S Electric Vehicle Charging Station Liability Coverages With the growing interest in alternative energy sources, electric vehicles are receiving more and more interest. Read More    Litigation Watch Meaning of Physical Abuse The homeowners insurer for a gun owner brought an action against the shooting victim for a declaratory judgment that an intentional shooting was physical abuse and thus, excluded from coverage. This case is Miglino v. Universal Property & Casualty Insurance, 174 So.3d 479 (2015). The insured is Stein He lent a gun to his sister and then the sister shot Miglino. Miglino sued the sister and the insured, alleging that the sister intentionally shot him and asserting a negligent entrustment claim against Stein. The insurer initially defended Stein but the filed a declaratory judgment action seeking a declaration that it had no duty to defend or indemnify the insured because of an exclusion in the policy. Read More    Fraud of the Week Restaurant Arson Fraud—Connecticut AMOUNT: $190,000 A bookie well known to police faces five or more years in prison for trying to burn down a restaurant for the insurance money. Read More        FC&S Ask the Experts Did you realize that the Q&A section of FC&S is made up of questions submitted by subscribers like you? Paid subscribers to FC&S Online or print FC&S Bulletins are invited to submit insurance coverage questions to the editors. We'll provide a personalized opinion within five business days. (We'll let you know if it will be longer than that. Sometimes we have to gather research or other supporting materials). Who knows? Your question may be featured (anonymously) in the online Q&A of the Week or as an FC&S update. Submit your coverage interpretation question right to the editors of FC&S for quick and reliable information. Ask our expert staff a question by clicking here.    Maximize Your FC&S  Online Subscription! FC&S editors regularly conduct web-based demos of the service. Feel free to contact Christine Barlow, cbarlow@alm.com, to set one up! They only take 30 minutes, a small investment of time that will help you learn all that FC&S Online has to offer.    Contact Us As always, your comments and questions are welcome. Contact us at: FC&S Department Phone: 800-543-0874 Fax: 859-692-2293 Email: eAlerts@nuco.com The Zalma Insurance Claims Library   Insurance Claims: A Comprehensive Guide The only source you'll need to successfully handle insurance claims from start to finish. More Info Construction Defects Coverage Guide Your single-source for identifying, insuring, investigating, prosecuting, and defending cases that result from construction defect claims. More Info Mold Claims Coverage Guide This guide will allow you to handle mold insurance claims and litigation resulting from mold or fungi related disputes with confidence. More Info For more information about these titles Click Here

FC&S Team Kelly Maheu, J.D. Publisher   Diane W. Richardson, CPCU Consulting Editor Christine G. Barlow, CPCU Managing Editor, FC&S   Diana B. Reitz, CPCU, AAI Consulting Editor David D. Thamann, J.D., CPCU, ARM Managing Editor, FC&S Bulletins   Emily Brunner Online/Print/Production Editor Susan L. Massmann, CPCU Managing Editor, Electronic Publications   Tosha Brinkman Marketing Manager Barry Zalma, Esq., CFE Contributing Editor   Donna Cozatchy Creative Director

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