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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.
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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.
Transportation Costs to Return from Vacation Covered? Q An insured was away on vacation when she learned of a fire at her home. She had to return…
Water Tank Adjacent to Insured's Property Q I have a customer whose home is built on a lot next to an elevated water tank. The tank holds approximately…
Water as Personal Property Q We have a loss under an AAIS homeowners form ML-3. Our insured's well was contaminated with fuel oil. We all agree that…
Student Away at College—Homeowners Coverage for Personal Property? Q Several of our clients have sons and daughters attending college away from…
Rented Chairs and TablesCovered Under Homeowners Policy? Q Our insured is considering renting chairs and tables for a social event. We would like…
Ice Fishing Hut a Trailer? We have several clients in our agency who ice-fish during the winter, and have fishing huts which they store on their property…
Root Damage to Plumbing System Q We are seeing an increase in claims for "tree root" damages to plumbing systems. Specifically, one claim involves…
HO 3 and DP 3 Differences What are the main differences between the HO 3 and DP 3 policy forms? New York Subscriber The DP 3 provides property…
Valuation—Actual Cash Value forAntiques Is Market Value Q Our company has a difference of opinion on how to value unscheduled antiques under…
Business Property or Insured’s Property Under AAIS form HO 0003 01 05, coverage C, a. 2) we find coverage for “personal property…