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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.
Care, Custody, or Control Issue under Builders Risk Policy December 10, 2009 We have a question about a builders risk form. The insured is bidding a…
Functional Building Evaluation Endorsement as Applied to Partial Loss December 10, 2009 We have written an old church on a standard ISO form with a…
Duty to Notify Insurer of Water Damage under the PAP November 30, 2009 The claim at issue has a date of loss of end of 2008. Although the insured is…
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…
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…
Theft of Proceeds from Auctioned Vehicle November 18, 2009 We have two insureds that were scammed by a used car dealer. One insured has a commercial…
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…
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…
Expected or Intended Damage—Damage to Friend's Auto Hood<br>An insured we represent was at a party with several friends. At some point during the party…