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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.
Road Repairs Covered under HO3? We represent a homeowner insured under an HO-3 in NC. The property is located on top of a mountain in a remote area…
Member of Boat Club an Owner or Renter of Boats? April 14, 2010 We have been presented a claim where the claimant was injured on a boat. The boat was…
Appraisal Clause Intent in Homeowners Policy Is the intent of the appraisal clause in an HO3 to settle differences in the actual cost of repairs, or…
Bulging Due to Power Outage and Humidity Due to the massive ice storm 1/27/09, we have many policyholders who have been without power, some going on…
Discusses whether odor from a neighboring residence can trigger ALE for an insured.
Liquor Liability Exclusion and Scheduled Exception May 2, 2011 Liquor liability exclusion endorsement, CG 21 51, is attached to the CGL form of our…
Homeowners Coverage for a Business Property Our insured is an employee of a rural water association. Someone stole a water line detecting device from…
A question of coverage for mold damage a result of water seepage over a period of more than fourteen days.
Determining use of office space when business equipment is kept there but business conducted elsewhere.
Rental Car Exposures under PAP Our named insured resides on outer island (Island of Kauai) and has one of his scheduled autos on another island ( Island…