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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.
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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.
Deductible not Applicable to Transportation Expenses Under the standard business auto policy, transportation expenses of up to $20 per day is allowed…
Awning on Camper Damaged by Windstorm Our insured has a camper/trailer covered under a business auto policy. This camper/trailer has an awning attached…
Barn Not Personal Property under Building and Personal Property Coverage Form Under the CP 00 10 04 02, coverage A 1. covered property, a (4), is an…
Collectible Coins and Special Limits Our insured was the victim of a burglary from his residence. Among the items stolen were a collection of coins.…
Failure to Comply with Duties under Policy We have run into a situation in which an insured has failed to respond to our attempts at contact in order…
Voluntary Payment by Insured Leads to Denial of Coverage We insure a company under a standard Businessowners Liability policy. Our insured was hired…
Special Limits and Fine Arts Regarding the HO 3, please confirm there are no Special Limits of Liability under Contents for Fine Arts, artwork, etc…
Crossed Wires Caused Artificially Generated Electrical Current Our insured was changing a light bulb in an old fixture and the wires crossed, causing…
Understanding the cause of loss and coverage when the insured wasn't present to know what happened.
Refrigerator with an Odor We had an insured who had their refrigerator stop running while they were on vacation for a week. When they returned it was…