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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.
Volunteer Workers Coverage Q We have questions that were put to us by a not for profit educational organization, and are unsure how to answer. This…
Damage to Property due to Service of Search Warrant Does the Dwelling Property 3 cover damage to the dwelling by police serving a search warrant on…
Fragile Articles Coverage under Commercial Property Policy Q One of our insureds had a customer's marble slab resting on a bunker. The bunker collapsed,…
Condominium Gutting Excluded as an Act or Decision? We have several insureds, insured on standard condominium unit-owners policies, who resided in a…
Motorized Vehicles and Mini-bikes We use an AAIS Homeowner and Farmowner form 2 (2.0). The definition of a motorized vehicle is a self-propelled land…
Theft Peril and Personal Property at Another Residence I have an insured with a standard homeowners policy. He has a fishing boat insured on the policy.…
Salvage Rights to House? The scenario is this. We have a client who was under-insured at the time of loss. The policy limit on the contents portion…
Dwelling Fire Policy and Tenant’s Carport Our insured has a standard dwelling fire policy with the premises liability endorsement. The insured's…
Water Leakage Causes Covered Damage? We have an insured that had a leak occur in the line running from her house to the municipal sewer. According to…
Fixtures Include Modular Office System? Q We have a commercial property client with a CP 00 10 04 02 policy who suffered a loss due to Hurricane Hortense.…