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Questions & Answers
Submit your P&C insurance coverage-related questions to the FC&S expert staff. You can expect a prompt response. Our policy is to answer inquiries within approximately five business days when at all possible.
Ask The Experts ›As an FC&S Online subscriber, you can email your most challenging questions to our highly-skilled editors. It’s like having a personal staff of J.D.s and CPCUs on hand at all times.
Notice: Information provided by the Ask the Experts service is general in nature and intended for educational and informational purposes. The service does not provide legal advice.
When a home has been repaired, does the insured have to make final payment before the holdback amount is paid?
Extra expenses incurred during the period of restoration but paid later.
When a home has been repaired, does the insured have to make final payment before the holdback amount is paid?
When an insured runs into his own garage with his own vehicle, which policy pays?
Two-part question describing differing accident scenarios in which a third-party did have/did not have permission to drive a company vehicle.
When an insured relocates after a total loss, whether the insured's renovations to a new home can be considered part of the original loss becomes an issue.
The use of cattle in a horse cutting event may be excluded.
A policy excludes matching when the components don't match due to age or wear and tear. But when the new components are not compatible with the existing ones, should all the siding be replaced?
When fluids leak from a vehicle after an accident, is there coverage for cleanup of those fluids?
When multiple vehicles are damaged by hail at the same time, does a separate deductible need to be applied to each vehicle?