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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.
Replacement Vehicle Coverage under PAP December 6, 2011 When a covered auto is replaced, when does coverage cease on the vehicle being replaced? Example:…
Deductible and Number of Occurrences under Property Policy December 12, 2011 Our insured, a commercial bank, has a foreclosure that is a large vacant…
Pollution Liability Coverage under Truckers Policy Our insured has a truckers policy with endorsement CA 99 48 attached; this endorsement provides broadened…
Custom Furnishings Exclusion Applies to Pickups or Vans Under form PP 00 01 01 05, dealing with exclusion 10 under physical damage, it refers to custom…
Stolen Kindle and E-Books December 5, 2011 Has anyone heard of theft coverage for Kindles and the books they may contain at the time of theft? Vermont…
Towed Vehicle and the Meaning of Disabled November 28, 2011 The Business Auto Form (BAP) is the policy in question. Our insured driver was arrested…
Unintentional Damage November 22, 2011 With an impending hurricane coming, the insured boarded his windows with plywood nailing through the vinyl siding…
Discusses coverage for theft of medical marijuana plants.
Water Lines as Structures Attached to the Dwelling<br>November 22, 2011<br>Underground tree roots the insured's water line and sewer lines, which are connected…
Auto Parts as Art Work November 22, 2011 The insured had many classic auto parts on his walls as art. Parts used included a Corvette hood, a steering…