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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.
GKLL Direct Primary Coverage Compared to CGL Coverage Our insured owns a parking garage. The insured has coverage under GKLL as Direct Primary and the…
Impaired Property Exclusion and Mismatched Flooring Our insured improperly installed a dishwasher and caused the supply line to leak a week after.…
Damage caused by a sloppy tenant.
Understanding the Special Deductible as it applies under the Earthquake Endorsement.
Damage to Premises Rented to Others Limit of Insurance August 23, 2010 Our insured has a businessowners policy. The policy dec page shows the following…
Benefit of the Doubt Goes to the Insured August 16, 2010 Under the building and personal property coverage form, if, after an inspection of the property,…
Discusses the theft of copper pipes and other damage in a home burglary.
Rented Condominium Liability Coverage August 4, 2010 Our insured has a Homeowners Unit Owner's policy (HO 00 06) and has filed a claim for property…
Multiple Proofs of Loss Requested August 4, 2010 Our insured was asked to submit a proof of loss. They did and the adjuster rejected it on the grounds…
Loss of Rents when Renting to Relative August 4, 2010 We are working a claim in which there is a rental policy in place that covers loss of rents. The…