The editors of FC&S receive questions from subscribers on a regular, frequent basis. We love our subscribers and are always happy to answer your questions; some have been very interesting over the years and even we have learned a lot from you.

Sometimes though we get a question that isn't exactly clear, and we need to ask for follow-up information. We have no problem doing that, but we can only imagine your disappointment when you're expecting an answer from us and get our response asking for clarification as to what exactly your question is. So in efforts to not disappoint, we've put together a few pointers for you when sending in your questions for the experts.

First, let us know the policy you're working with. Is it an ISO policy, MSO, AAIS form, and what is the form number and edition date? We have access to all those policies; other specialty or proprietary policies however we do not have access to, so if you need us to look at the policy language you can do one of a few things. Attach it when you're on the Ask the Experts screen at the bottom of the page; sometimes though your policy is too big to attach, so you can send it directly to Managing Editor Christine Barlow at [email protected] and she'll make sure the right editor gets it. You can also put the excerpt of the policy language into your email; many times that's all we need. Remember that the declarations page provides information on policy limits but not coverage; in most cases it's not helpful without the rest of the policy.