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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.
Medications Considered to be Personal Property? Would you consider personal medication part of personal property coverage? West Virginia Subscriber…
Homeowners Co-insurance Penalty Under an HO-3 open peril policy, is cleaning of the dwelling after a partial loss subject to the underinsurance penalty…
Fungi Endorsement Application I have a mold claim on a form 3 homeowner policy. They have the fungi coverage endorsement. The endorsement states we…
Deceased Insured and Coverage for Remaining Property Our named insured passed away in November 2007. The house remains unoccupied. In late December…
Sales Tax on Contents I am located in North Carolina handling an HO-2 fire claim with ACV only coverage on Cov C for the property owner. We submitted…
Downspouts, drains, and surface water.
Awning Could Be Considered Outdoor Sign I have a client who has an attached outdoor awning over her store front. It has the store's name on it and was…
Additional Insureds as Claimants Q When we insure clubs for liability, we always add the Additional Insured—Club Members endorsement (CG 20…
Property in Transit — Theft of Entire Bale or Case Q We insure a furnace contractor under form CP 10 30. While off premises at a job site, the…
Discusses costs for additional employee pay when business was not suspended.