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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.
Damage to Property of Others—Tree Falling on Neighbor's Property Q I am working on a claim that occurred during a severe winter storm in which…
Property "In the Care of" the Insured Q Our HO 00 03 insured was "dog-sitting" for his neighbor. While our insured was walking the dog, it got away…
Vehicle Damage to Borrowed Grill? Q Our insured borrowed a barbeque grill from a friend. He loaded it in the back of his pickup to return it. On the…
Standard Time Definition Q We are having a debate in our office about whether the effective time of a homeowners policy is altered by daylight saving…
Theft from Home Not Yet Occupied Q Our insured sold his house prior to having a new one constructed. He moved into an apartment and put his contents…
Medical Payments Coveragefor Rental Property Q Our insured has an HO-3 (1984 edition) with the HO 70, Additional Residence Rented to Others, endorsement…
Notification Requirement Satisfied by Calling Police Under most policies, there is a duty for the insured to notify the police in the event of a theft…
Scheduled Diamond Ring—Coverage for Cracking? Q Our insured had a loss to a diamond ring scheduled on an HO-61. She found to her amazement it…
Foster Care and Homeowners Policy If a homeowner takes in mentally challenged individuals, both minor and adult, and receives money to help defer living…
Wind driven rain on separate occasions damages same property.