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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.
Guaranteed Replacement Cost—Effect on Other Coverages The standard HO-3 policy provides coverage for trees and shrubs in the amount of 5 percent…
Fire Department Service Charge Coverage under Homeowners We have a question about homeowners coverage for a fire department service charge. Our insureds…
Insurable Interest in Contract to Purchase Home Recently, one of our insureds signed a contract to purchase a home. We issued an insurance binder, because…
Internet Fraud Covered Under Homeowners? Our homeowners insured paid a substantial sum of money for a Rolex watch he saw offered at an internet auction…
Is There Homeowners Coverage for Minor Children Who Leave Home? The minor son of our HO-3 client recently moved out. He has expressed his intention…
How Should HO 00 15 Be Applied in Piano Loss? Our homeowners insured has a 1916 mahogany Steinway grand piano that he purchased some fifteen years ago.…
Liability and Property of Others In discussing homeowners additional liability coverage on property of others you say that protection extends to property…
Expected or Intended Damage—Damage to Friend's Auto Hood An insured we represent was at a party with several friends. At some point during the party…
Our HO 00 03 05 01 insured recently suffered damage from melting ice and snow.
IS a girlfriend a resident, roomer, boarder, or tenant?