Problems viewing this email? Click Here March 24, 2016      Q&A of the Week Trailers on Dwelling Policy DP 00 01 12 02 says the following under property not covered: e. Motor vehicles or all other motorized land conveyances. (1) This includes: (a) Their accessories, equipment and parts; or (b) Any device or instrument for the transmitting, recording, receiving or reproduction of sound or pictures which is operated by power from the electrical system of motor vehicles and all other motorized land conveyances, and its accessories. Accessories include antennas, tapes, wires, records, discs or other media that can be used with any device or instrument described above. The exclusion of property described in paragraphs (a) and (b) above applies only while such property is in or upon the vehicle or conveyance. (2) We do cover motor vehicles or other motorized land conveyances not required to be registered for use on public roads or property which are: (a) Used solely to service the Described Location; or (b) Designed to assist the handicapped; Would this pertain to a pull behind trailer? The trailer is not motorized but is licensed for the road. ANSWER: The exclusion states that it applies only to accessories, equipment, and parts and transmission devices while such property is in or upon the vehicle or conveyance. When attached to a vehicle, the trailer should be covered under the auto policy. When sitting in the driveway at the dwelling property as long as it is not attached to a vehicle, it can be covered as personal property. Read More    What's New This Week in FC&S Hardware and Home Improvement Stores The Insurance Services Office (ISO) has developed a market segments program providing specialized coverages for certain specialty insurance markets. Read More    Litigation Watch Ordinance or Law Provision This insurance coverage dispute arises from property damage at condominiums in Louisiana. This case is Houston Specialty Insurance Company v. Meadows West Condo Association, 2016 WL 81487. The property is an eighteen-building, 124-unit condominium. The property was damaged by a fire that originated in the HVAC duct work of one of the units. The fire damaged two units located in a single building and the remaining buildings on the property were undamaged. Read More    Fraud of the Week Receipt Fraud – North Carolina AMOUNT: Unknown A couple has been charged with insurance fraud and attempting to obtain property by false pretense and conspiracy; one is facing two additional counts of both insurance fraud and attempting to obtain property by false pretense. 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

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. To ensure future delivery of email, please add admin@list.nationalunderwriter.com to your address book, contacts or safe sender list. You have received this email at %%merge members_.emailaddr_%%. Click here to unsubscribe from %%merge list.descshort%% Copyright ©2016 The National Underwriter Company, A Division of ALM Media LLC. All rights reserved.   4157 Olympic Blvd., Suite 225 Erlanger, KY 41018 1-800-543-0874