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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.
Theft vs. Mysterious Disappearance Q Our homeowners insured recently reported the loss of a diamond ring. She had stayed overnight in a motel and…
Wind Loss to Personal Property We have a hurricane claim and there was no damage to either the exterior or the interior of our insured's condo unit.…
Mildew Covered on Homeowners? Q During the past summer, our homeowners insured's roof was completely blown off during a windstorm. As a result of…
Theft Limitation and Deductible on HO 00 02 Q One of my clients, who is insured on a HO 00 02 04 91, lost $7,200 worth of property in a burglary.…
Vehicle Damage to Borrowed Grill? Q Our insured borrowed a barbeque grill from a friend. He loaded it in the back of his pickup to return it. On the…
Theft Coverage for Lost Luggage and Homeowners Policy Q We have been presented with a claim for theft of luggage from an airline, and are not sure…
Vehicle Peril—Motorcycle "Leathers" Covered Q Our homeowners insured was forced off the road by an oncoming auto while operating his motorcycle.…
Standard Time Definition Q We are having a debate in our office about whether the effective time of a homeowners policy is altered by daylight saving…
Ultra-Light Aircraft Q Recently our client's garage was destroyed by fire. An "ultra-light" aircraft, valued at $14,000 was also destroyed in the…
Vehicle as a Cause of Loss on HO-3 Q Our HO-3 insured has a riding lawn mower. One day, while mowing his yard, which slopes, the mower got out of…