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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.
Payment for Antique Knives November 23, 2009 The insured has an HO 04 90 04 91 Personal Property Replacement Cost endorsement. The insured had a collection…
Wear and Tear Exclusion and Oil Discharge November 18, 2009 Our insured has a PAP and the vehicle in question has physical damage coverage. The insured…
How to insured domestic partners.
Swine Flu and CGL Coverage November 16, 2009 The publicity regarding swine flu has raised a question in our office. Will the general liability policy…
Earth Movement Caused by Tree Roots Our insured's detached garage has been damaged by a neighbor's tree roots. As you can imagine, this has been going…
Homeowners Exclusion for Loss Caused by Civil Authority We have an insured with an AAIS homeowners form 3. Recently, the police fired tear gas into…
Hot Tub as a Swimming Pool? Our HO 00 03 04 91 insured has a hot tub on his deck that is kept full of water year round. This past winter was mild, but…
Luggage Lost or Stolen? This issue comes up a lot and there is always a difference of opinions. Our Insured flew on a commercial flight and although…
Engagement Ring—Who Should Insure? We would like your opinion concerning who has an insurable interest in an engagement ring. It has always been…
Liability Coverage for a Timeshare under a Homeowners Policy I have a question regarding time share property. As I understand it, you purchase a block…