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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.
When a hurricane topples a tree.
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…
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…
Is a septic tank made of fiberglass covered under glass portion of a policy?
Restoration of Land Q Our homeowners insured has a special endorsement to his policy that provides some coverage for restoration of land after a covered…
Discusses storage of property that can no longer be stored on insured premises and laundering of clothes during the relocation.
Does the location of vacant land matter?
Mildew in the attic.