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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.
Valuable Papers Not Considered Raw Materials August 28, 2012 An insured has $50,000 limits in valuable papers coverage and has received a restoration…
Humid Attic August 21, 2012 On an HO 00 03 10 00 with endorsement HO 04 27 04 02 it sounds like humidity in an attic area where mold was unknown and…
Missing Property with No Proof of How It Disappeared Excluded A tenant was in place at the insured location when the insured purchased the building.…
Gazebo Covered as Outdoor Fixture Our insured—a church covered under a CP 00 10 04 02—has a gazebo that existed on the property grounds…
Discusses voluntary parting and false pretenses.
Dead Storage August 2, 2012 The insured policyholder had a 1933 vintage hot rod car in dead storage inside his dwelling's garage when a total loss fire…
Hobby Art with an Appraisal August 2, 2012 If an insured has paintings that have been done as a "hobby" in her home, and she has gotten a 3rd party…
Location of Residence August 2, 2012 Our insured was living in a residence located in south-central California approximately 16 months prior to a total…
- Is mismatched staining a loss in and of itself?
Discusses additional coverages and application of deductibles.