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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.
Dish installed on roof leads to damage that's not discovered until later. What is the date of loss?
What Constitutes "a Short Time"? In definition 4 of "coverage territory" on the CG 00 01 12 04, part c. (2) indicates that coverage…
Damage to Roof—Subsequent Interior Damage Covered? Our insured has an HO 00 03 10 00. A few months ago, following a downpour, he noticed some wet…
Exclusions—Typographic Arrangement Important in Interpreting Policy Language Please help us to resolve a matter of interpretation of homeowners…
Damage to Roof—Subsequent Interior Damage Covered? Our insured has an HO 00 03 10 00. A few months ago, following a downpour, he noticed some…
Excluded "Backup" or Covered "Overflow" of Plumbing on Homeowners? Our customer is insured under an HO 00 03 05 01. His small son flushed a tennis ball…
Exclusions—Typographic Arrangement Important in Interpreting Policy Language Please help us to resolve a matter of interpretation of homeowners…
When the amount of property loss exceeds the policy limit, what is considered the total amount of the loss?
Towing Means Use under Farm Policy? We insure a farmer on form FP 00 10 09 94. Included in this policy is coverage E, Scheduled Farm Personal Property.…
Uninsured Motorist Coverage—Rental Reimbursement A claims department has recently turned down a claim for rental reimbursement on an uninsured…