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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.
Our insured is a hotel that suffered damage to some of its rooms as a result of water damage. The insured is a franchisee and has an agreement with…
Insuring a Duplex October 4, 2012 We are experiencing situations involving duplex homes where coverage is being requested under a HO 2 or HO 3 form.…
Bodily Injury Coverage in Relation to the Operations of the Insured September 24, 2012 Our insured carries a commercial general liability policy with…
A Changing Concept Summary: The term "actual cash value" is used in most property forms as well as inland marine forms and auto physical…
Discusses expenses used to supply water and utilize a generator at a golf course as covered extra expenses.
Twin Condominiums September 10, 2012 We are more and more often being asked to insure twindominiums which, loosely defined, are a two-family home where…
Discusses a few questions on nonowned auto coverage.
Stored Winter Tires "Equipment" Under PAP? I have a coverage question under the personal auto policy. Our insured stores winter tires in…
Theft or Conversion Exclusion under GKLL Coverage September 12, 2012 Our Virginia insured has a garage policy form CA 00 05 03 06. A customer's vehicle…
Daughter takes car without permission and is in accident; is there coverage?