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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.
Fallen Tree and Rodents February 2, 2012 I have a question on a HO-3 policy. Our insured had a tree fall on the roof punching a hole through it; the…
A question of earthquake or storm damage rendering house unhabitable.
Mileage Reimbursement February 7, 2012 We have an adjuster that says the FIRST 1,000 MILES of extra mileage incurred is paid .51 per mile and then…
Materials, Parts, or Equipment in "Your Work" February 6, 2012 We are in receipt of a claim where our insured installed wallpaper at a third party claimant's…
Nonmaterial Warranty Breach Does Not Void Coverage January 30, 2012 Does a breach of a nonmaterial warranty void coverage? Insured had a sprinkler…
When a water tank ruptures is that an explosion?
Is injury from faulty cherry picker covered?
Property in Transit Coverage Extension Issue January 9, 2012 Insured had various handtools stolen from his locked vehicle: an angle drill, gas tester,…
ATV Included in Property Not Covered Clauses January 10, 2012 Under the Building and Personal Property Coverage form, CP 00 10 04 02, in the property…
Discusses a claim situation where there is a need to determine how many occurrences and thus, how many deductibles, apply.