| Q&A of the Week |
Appliances and Vandalism
A Wisconsin subscriber recently asked the following question:
We have a vandalism loss to a home that is foreclosed and theft of a range and a fridge. We feel that the theft is not covered as the appliances could be considered personal property as they were not permanently attached to the home. The fridge was connected to the water line and the range was connected to the gas line, but both are movable property. The policy specifically excludes personal property but does not mention appliances or fixtures. Do you feel these items would be covered under this policy? Vandalism and theft are covered perils so the question is related to the appliances alone.
Foreclosed Building Coverage
1. "Foreclosed" buildings at the location described on the Declarations for which a Limit Of Insurance is shown. This includes:
a. Detached garages, storage sheds and other structures at the described location;
b. Outdoor swimming pools and fences;
c. Satellite dishes, radio and TV antennas less than 100 feet in height;
d. Underground pipes, flues or drains; and
e. If not covered by other insurance, materials and supplies on or within 100 feet of the location described on the Declarations for use in the construction, alteration or repair of the "foreclosed" building or other structures at this location.
However, loss to building materials and supplies not attached as part of the building structure caused by or resulting from theft are excluded.
PROPERTY NOT COVERED
The following property is not covered under Foreclosed Building Coverage:
1. Land (including land on which the property is located), water, growing crops or lawns (other than lawns which are part of a vegetated roof);
2. Trees, shrubs and plants (other than trees, shrubs and plants which are part of a vegetated roof);
3. Personal property;
4. Bulkheads, pilings, piers, wharves or docks;
5. Retaining walls that are not attached to the "foreclosed" building; or
6. Bridges, roadways, walks, patios, parking lots or other paved surfaces. Read More |
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| What's New This Week in FC&S |
Cyber Risk
Cyber risk is a huge and ever changing issue for everyone, not just insurance companies. Read More |
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| Litigation Watch |
Going and Coming Rule
An insurance company appealed from an order concluding that an employee suffered a compensable injury. This case is Giordano v. High Point Insurance Company, 2016 WL 5899273. Read More |
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| Fraud of the Week |
Contractor Fraud – Florida
AMOUNT: $1.6 Million
An attorney in Pembroke Pines, Florida, pleaded guilty to thirteen counts of grand theft in Brownard Circuit Court. 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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| 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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