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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.
Water Damage From Collapsed Swimming Pool Q Our client is insured by a homeowners policy form HO-3. Their above-ground swimming pool collapsed due…
Theft of Phone Time—Insured Loss? Q We have had a somewhat unusual claim presented to us. The insured has an HO 03. She had to go out of town…
Other Insurance and Loss Settlement on Homeowners Policies Q We are unsure how to settle a claim where two homeowners policies apply, and would like…
Medical Payments Coverage for Guest on Tenant Homeowners Policy Q Our insured has a tenant homeowners policy. His mother was visiting him, and, while…
Restoration of Land Q Our homeowners insured has a special endorsement to his policy that provides some coverage for restoration of land after a covered…
Removal of Oil Tank Q Our insured has a rental property insured on a dwelling fire policy. He now wants to sell the house, but there is a problem.…
Paved or Non-paved Driveway Our policy states that an insured has coverage to remove tree debris if it is on a structure, or blocks a driveway. …
Pool Cover and Replacement Cost for a Homeowner Q We write a standard HO-3 on a client with a swimming pool. His policy also includes replacement…
Stolen CDs and the Homeowners Policy Q Our HO-3 ('91 edition) insured had some CDs stolen from his car. The thief also took the portable CD player…
Property "In the Care of" the Insured Q Our HO 00 03 insured was "dog-sitting" for his neighbor. While our insured was walking the dog, it got away…