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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.
Replacement of Home—How Is Amount Determined? Q We are in the process of adjusting a large fire loss under a homeowners policy (HO 3). The estimated…
Structures—What is "Attached?" Q We have a homeowners claim (HO 00 03 10 00) involving a garage that, except for the wall facing the dwelling,…
Scorching—Not a Named Peril Q We have a somewhat unusual loss. Our insured has an HO-3. He recently discovered his sofa appears to have been…
Sales Tax and Total Homeowners Loss Q We are an independent adjusting firm. We have been hired to handle a bad house fire. The home and the personal…
Named Insured does not Occupy Residence Premises—One Our agent placed a homeowners policy with our company. The named insured has never occupied…
Pollution Exclusion Applies to Cleanup of Corpse? June, 2002 We are adjusting a claim for the cost of cleaning up a corpse that had decayed within an…
Medical Payments Coveragefor Rental Property Q Our insured has an HO-3 (1984 edition) with the HO 70, Additional Residence Rented to Others, endorsement…
What Constitutes Business Property on a Homeowners Policy? Q Our HO 00 03 04 91 insured is a free-lance author. She was scheduled to go to Russia…
"Sistering" and the Repair of a Home Q We are a public adjusting firm. Our client's home is insured on an independently filed HO 00 03 05 01. A recent…
Photos Damaged—Is Repair Covered? Q Our homeowners insured has replacement cost coverage for contents. Recently, she sustained a covered loss…