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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.
Vehicles Used to Service the Insured Premises Q We insure a home under AAIS form 3, edition 2.0. The insured owns a go-kart that was damaged by one…
Loaned Trailers and Liability Coverage We have a customer who has four trailers listed on a PAP with physical damage coverage. We don't offer…
Mold Claim under Personal Auto Policy We have an insured who reports mold growing in her car. There was a hole in the car's convertible top. The insured…
Discusses date of loss versus date of assessment and payment of claim.
Mortgagee's Claim Covered? We received a call from a mortgagee. The insured defaulted on the loan, and the mortgagee foreclosed on the home. When an…
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.…
Storm Damage—Coverage for Ice Damming (HO-2) Q I am requesting your view on a problem that has come up during the processing of winter storm…
Safe Deposit Box Drilling Covered? Our insured's dwelling and personal property were destroyed in a tornado. The keys to her lock box at the local bank…
Vehicle Used to Service the Premises Q Our insured has a HO 00 03 04 91. He hired a contractor to do some work on his property that necessitated the…