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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.
Questions the application of CG 21 67 in a water damage and mold claim situation.
Property Damage Coverage in Doubt The insured is a homeowners association. It contacted the local village to clear some trees and bushes in a common…
Fire Damage and Coverage under CGL Form and BAP Our insured's employee was driving a semi load of bailed corn stalks from the field to another location…
All Named Insureds Not Required to Sign Proof of Loss June 6, 2011 Can an insurer reject a proof of loss because it is signed by one, but not all, named…
Coverage C Limit for Property at Other Residences I am looking for clarification on the ISO contract regarding the 10% of Coverage C limit for…
Building or Personal Property? Is a refrigerator in an owner occupied dwelling considered part of the dwelling or part of the contents on a DP-1…
Single or Multiple Occurrences Insured picked up money from multiple business locations and while in his possession, the vehicle was broken into…
Liability Coverage When Part of the Property is Leased to an Oil Company On an ISO HO 00 03 10 00 form, the insured leases land to a gas/oil…
Maintenance of a Motor Vehicle on a Homeowners Policy Insured girlfriend's mother was visiting the insured and pulled her auto into insured driveway.…
Discusses ALE when only contents are damaged.