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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.
Damage to Roof—Subsequent Interior Damage Covered? Our insured has an HO 00 03 10 00. A few months ago, following a downpour, he noticed some…
Exclusions—Typographic Arrangement Important in Interpreting Policy Language Please help us to resolve a matter of interpretation of homeowners…
When the amount of property loss exceeds the policy limit, what is considered the total amount of the loss?
Damage to Roof—Subsequent Interior Damage Covered? Our insured has an HO 00 03 10 00. A few months ago, following a downpour, he noticed some wet…
Towing Means Use under Farm Policy? We insure a farmer on form FP 00 10 09 94. Included in this policy is coverage E, Scheduled Farm Personal Property.…
Damage Done by Visiting Relative—Liability? Our insured was disabled and her sister came to live with her for a couple of weeks. The sister did…
Collapse from Weight of Snow—Awnings We are wondering about collapse coverage for awnings under homeowners form HO 00 03 10 00. The area we live…
Damage to Neighbor's Driveway A form HO 00 03 10 00 homeowners insured and her neighbor share a common driveway that runs between their two houses.…
Damage to Liner of In-ground Pool—Shrinking Exclusion Our HO 00 03 10 00 insured reported the liner of his in-ground pool had shrunk over the…
Animal Injured in Transit Covered by Personal Auto Policy? We have an insured who has a personal auto policy written on ISO form PP 00 01 04 86. Our…