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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.
Deductible Application for Multiple Locations Loss If an insured has two separate locations insured on the same ISO homeowners policy, and each location…
Ice Causes Trees to Fall—Water Damage? We have a carrier coding the ice losses from tree branches breaking off and damaging homes as water losses.…
Named Insured does not Occupy Residence Premises—Two Our named insured owns a residence insured on an AAIS homeowners form, but he has not lived…
Family Member Includes College Student? Our insured's son went away to college and when he wanted to rent a vehicle, the rental company would only rent…
Bodily Injury to an Insured Our insured's daughter had her ears pierced, and an infection ensued. She had to have surgery and reconstruction of part…
Mold Damage Over Time Q An insured has a very large two story deck off the front of his home. He lives on the Oregon Coast so the wood has a tendency…
Release Signed by Insured Bars Reopening Claim Our insured had tornado damage some time ago. The tornado claim was adjusted and closed in spring 2005.…
Coverage for Auto Incident with Parked Car Under Homeowner’s and Auto Policy Our insured had a son that did not live at home. The son brought…
Foster Care and Homeowners Policy If a homeowner takes in mentally challenged individuals, both minor and adult, and receives money to help defer living…
Mortgagee's Claim Covered? We received a call from a mortgagee. The insured defaulted on the loan, and the mortgagee foreclosed on the home. When an…