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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.
When an insured buys a motorized surfboard and the insurer isn't quite sure about coverage, what's the answer?
When undamaged property has to be moved in order to repair the structure.
A club member volunteered at the club and was injured. What coverage applies under the policy?
A question of how to determine what damage was from the hurricane and what was from a flood.
In a follow-up to last week's question, we review the issue of provisions in fine arts schedules and separate policies.
Will endorsement provisions regarding scheduled property override the flood exclusion on the policy?
Will coverage apply for damage due to ice damming when the roof membrane is excluded due to wear and tear?
When the policy contains an exclusion if the building has more than a certain percentage of EIFS, how does the exclusion apply to the rest of the building?
Three TVs aligned together for a single image and contractor cracked the screen. Which exclusion, if any, applies?
Determining the correct value to base the coinsurance calculation on.