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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.
Loss Assessment for New Roof? We have recently had a claim denied that has proven both disturbing and confusing, not only to us but to other agencies…
Leased Hunting Land—How to Insure? Our question concerns a group of people who individually lease acreage for hunting purposes on a seasonal…
Fire Department Service Charge Coverage under Homeowners We have a question about homeowners coverage for a fire department service charge. Our insureds…
Homeowners HO-6 and the Condo Association Policy Deductible Our HO-6 insured suffered covered water damage from plumbing to their unit. When we reviewed…
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…
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…
Collapse Coverage under a Mobile Home Policy Our client has a mobile home covered by an AAIS form ML-3. Part of the roof hangs over the front of the…
Carport a Canopy? Insured made claim under an AAIS form 2 for "weight of ice and snow" damage to a carport attached to the end of the dwelling. The…
Collapse Coverage under Homeowners Policy Our insured bought a seasonal residence in Michigan. We insured it on an HO 00 03 10 00. Last winter brought…
Collapse Coverage under an HO-3 Our insured has an HO-3. Our question concerns coverage for wet rot damage that has led to a sagging roof. The support…