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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.
Embezzlement and the Homeowners Policy Our insured is one of those people who lost money in the Madoff scheme. Is there any coverage for the insured's…
Duties in the Event of Loss Expense in Question A contractor sealed off an area where underhanging roof tiles were blown away by a windstorm and birds…
Business Personal Property Loss and Combination of Policy Limits We have a commercial client who has business personal property in two locations, each…
Accident and Occurrence Synonymous? Accident is not a defined term in the policy. Would it include "occurrence" coverage similar to commercial auto?…
Liability for Injury on Motor Home Campsite The insured has a motor home which he drives to a rented campsite for a weekend of pleasure. A third party…
Care, Custody, or Control Exclusion and BAP Coverage We have a claim under a commercial auto policy involving an insured who parks his commercial vehicle…
Direct Physical Loss and Cosmetic Loss Hail stones have created dents to a copper roof. The section of roofing is located over a second story bay…
Condominium Assessments with HO 17 32 and HO 04 28 Endorsements This is a claim under the HO-6 Condo Owners Policy with HO 17 32 endorsement and HO…
Replacement Cost and Purchase of New Dwelling On a Replacement Cost Dwelling Package or Homeowners policy, an insured wants to take an ACV settlement…
Pothole Damage as Collision Under the PAP? Would tires damaged due to hitting a pothole be considered damaged due to road hazard, and therefore fall…