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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.
ACV Settlement and Deductible Applicability February 1, 2010 The insured has a claim on a CP 00 10 04 02 policy. The insured had an ATM machine in her…
Part-time Resident Son’s Vehicle “In the Care of” Insured Father? January 25, 2010 In the Texas auto policy at issue, "family member"…
Fair Rental Value and Occupancy of the Dwelling January 21, 2010 Insured property is covered on an HO 02 and the insured is claiming Fair Rental Value…
Theft of Property Sold Online January 21, 2010 The insured sold a diamond engagement ring on eBay. The buyer paid with a fraudulent Paypal account,…
HO 04 90 Personal Property Replacement Cost Endorsement Application January 21, 2010 Golf clubs were stolen from the insured's parked & locked…
Policy Information RetentionJanuary 21, 2010A personal lines client asked how long should he retain copies of their insurance policies? Please…
What kind of peril is an animal crashing through the glass?
January 11, 2010 Longshore and Harbor Workers Compensation Coverage for Restaurant Workers Our insured is planning to open a restaurant on a barge located…
Vandalism Loss in Question January 4, 2010 Coverage is provided on a storage facility under the CP 10 20 06 95 cause of loss form. Two of the units…
One Collision Deductible or Two? December 28, 2009 Can you provide an opinion on a personal auto policy in which the insured strikes another owned auto…