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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.
Insured uses a golf cart as major means of transportation; is rental covered in case of loss of cart?
Insured Contract Coverage under the BAP May 21, 2012 Our insured has a BAP policy with symbol 1 for liability and symbol 8 for physical damage. An…
Homeowners Coverage for a Home Never Occupied May 21, 2012 The insured's rental property was constructed two years ago, and a certificate of occupancy…
Engagement Ring—Purchaser vs. Wearer May 14, 2012 If an insured bought a diamond ring for his son to give to his fiancée, both of whom…
Replacement Cost Claims after Death May 14, 2012 We have a fire claim under the HO 00 06 04 91, Unit Owners Coverage form, with the replacement cost…
Collision of Fine Arts May 3, 2012 The insured has wine goblets and wine glasses scheduled under the HO 04 61 04 91, Scheduled Personal Property Endorsement.…
Wind or Hail Percentage Deductible Calculations May 14, 2012 Our insured has commercial property coverage for three buildings at one location in Florida…
Trampoline Blown by Wind May 14, 2012 I have a question concerning coverage/liability of our insureds for trampolines that are picked…
Insured Residence Sold and Carrier not Notified May 14, 2012 We have a risk that we have insured for 9 years which was sold back in May 2010.…
Stolen Computer and Program May 10, 2012 Our insured's computer was stolen. She replaced the computer with a similar computer. The replacement…