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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.
Trees, Lawns, and Shrubs Our insured has a home insured on an HO 00 03 10 00 for $405,000. He suffered a fire loss, and consequently there was much…
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…
Replacement Cost—Second Insurer Liable Even if First Insurer Paid Too Much Q One of our homeowners insureds was paid for a total loss to his…
Contract Cancellation Cause of Loss We have a client who ordered $20,000 worth of new kitchen cabinets before they had a fire. The cabinets were never…
A claimant was involved in a car accident with our insured. The claim against the insured was for property damage done to the other car and included…
Med Pay Coverage for a Go-Cart Accident? Our insured recently submitted a claim for injuries to their minor son. The son, age five, was operating a…
Collision Loss Includes Damage to Eyeglasses? Q We have a question about coverage under a personal auto policy. Our insured was driving home after…
Personal Property Covered Away from Residence Premises Q Our client's home is insured on an HO-3. He holds the mortgage on another house, where his…
Medical Payments to Others—Preventive Medical Care Q We have a question about homeowners medical payments coverage. Our insured was entertaining…
Ordinance or Law and Rebuilding the House Elsewhere Q This issue concerns interpretation of the Ordinance or Law coverages found within the HO-3 (Ed.…