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.

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.

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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.


November 29, 2021

When a pipe ruptures and leads to water backup and also a sinkhole, what is or isn't covered?

November 22, 2021

Questions application of coverage for electric cables under Equipment Breakdown form EB 00 20.

November 15, 2021

Artificially generated electrical current and what that peril covers.

November 08, 2021

Questions the property damage exclusion under the CGL for your work in a situation where a contractor's work caused other damage to the property.

November 01, 2021

While not a common practice in standard policies, ISO does make available a deductible option for auto liability. This subscriber is looking for how to apply such a deductible in a claim situation with a large amount of attorney expenses.

October 25, 2021

When the circuit breaker trips and the food spoils, is there coverage?

October 18, 2021

When a faucet is left running, is it seepage, leakage, or something else?

October 11, 2021

A quick explanation of the water back-up and sump overflow endorsement.

October 04, 2021

Coverage on both commercial and personal auto policies when other vehicles are used.

October 04, 2021

This question deals with the reasoning behind why an insured's mid-term cancellation is short-rated rather than pro-rated.