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August 4, 2016 |
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Q&A of the Week |
Pack-out of Contents
A Virginia subscriber recently asked the following question:
Would pack-out and storage of contents for a covered water loss to a dwelling be accounted for under the Coverage A limit or the Coverage C limit? This is a HO-3 policy.
ANSWER: Since the contents are being removed as part of damage to the structure itself, then the removal of contents would be part of coverage A. If the contents themselves were damaged then it can be seen as part of coverage C, but if the sofa needs to be moved to get it out of a soggy room so the room can be cleaned and aired out, it is coverage A. Read More |
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What's New This Week in FC&S |
Climate Change and D&O Insurance
The idea that human activity causes the Earth's climate to change is not a new concept. In fact, most people agree that our climate does change over time. Read More |
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Litigation Watch |
Direct Physical Contact Requirement for Uninsured Motorists Coverage
The insurer appeals an order denying its motion for partial summary disposition. This case is McJimpson v. Auto Club Group Insurance Company, 2016 WL 2759129.
This action arises out of injuries sustained by Karen McJimpson when a piece of metal flew off an unidentified 18-wheeler semi-truck and struck her car. The police that responded to the accident reported that an arc-shaped piece of silvery metal about half the size of the windshield on McJimpson's car was the object that hit the car. McJimpson suffered numerous cuts and bruises, a tear in her left shoulder, and strains and sprains in her back and neck. Read More
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Fraud of the Week |
Staged Accident Fraud – Louisiana
AMOUNT: Unknown
Seven people in Louisiana have been arrested for staging three separate accidents and filing fraudulent insurance claims over a five-month period. Read More
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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. |
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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. |
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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 |
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The Zalma Insurance Claims Library |
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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 |
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For more information about these titles Click Here |
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FC&S Team |
Kelly Maheu, J.D.
Publisher
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Diane W. Richardson, CPCU
Consulting Editor
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Christine G. Barlow, CPCU
Managing Editor, FC&S
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Diana B. Reitz, CPCU, AAI
Consulting Editor
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David D. Thamann, J.D., CPCU, ARM
Managing Editor, FC&S Bulletins
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Emily Brunner
Online/Print/Production Editor
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Susan L. Massmann, CPCU
Managing Editor, Electronic Publications
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Tosha Brinkman
Marketing Manager
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Barry Zalma, Esq., CFE
Contributing Editor
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Donna Cozatchy
Creative Director
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Hannah Smith, J.D.
Staff Writer
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This publication is designed to provide accurate and authoritative information in regard to the subject matter covered. It is sold with the understanding that the publisher is not engaged in rendering legal, accounting or other professional service. If legal advice is required, the services of a competent professional person should be sought.
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