Is an earthquake possibly caused by fracking covered? What is a thermal shock, and is it covered? This and more in the FC&S mailbag.

Is a newly purchased car an additional auto or a replacement vehicle if the insured fails to sell her current car? Can an insurer deny coverage for snow damage under a water, ice exclusion? This and more in the FC&S mailbag.

Is a newly purchased car an additional auto or a replacement vehicle if the insured fails to sell her current car? Can an insurer deny coverage for snow damage under a water, ice exclusion? This and more in the FC&S mailbag.

Is an insured who rents his home but still visits regularly covered as an occupant of the residence? Can grease be considered a pollutant? This and more in the FC&S mailbag.

Is a sold vehicle still a covered auto if the owner did not transfer the title to his name? Does a homeowners policy respond if a heating service overfills the oil tank? This and more in Wednesdays mailbag.

Is a sold vehicle still a covered auto if the owner did not transfer the title to his name? Does a homeowners policy respond if a heating service overfills the oil tank? This and more in Wednesdays mailbag.

Superstorm Sandy gave independent agencies a hands-on lesson in endorsements to this complex policy.

Click to see the Top 10 costliest terror attacks in recent history by insured property losses, as comprised by Swiss Re and the Insurance Information Institute.