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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.
Bankruptcy and Settlement for Content Loss October 1, 2018 We have a client that had a house fire; he filed bankruptcy on a credit card with a balance…
Theft of Property when Part of Property rented to Tenant September 24, 2018 In regard to the HO 00 03 05 11 Homeowners 3 - Special Form,…
Overflowing toilet and coverage.
Does the presence of appliances and the commitment of residency in the future determine vacancy?
A question of coverage when the insured handyman made repairs that resulted in spreading asbestos in the home.
One Loss, Two Deductibles. Which One Applies? August 27, 2018 We have a claim involving interior water damage from a roof leak. The policy is a homeowners…
Injury Caused by Insured’s Horse August 20, 2018 We insure a homeowner under a standard HO 03 04/91 policy. The insured's household member daughter…
Is manipulation of contents part of the repair when the contents are not insured?
Replacement Cost Options June 12, 2018 I'm working with an attorney on a fire claim and the policyholder has a commercial policy in place, the building…
Appliances and Coverage July 30, 2018 The settlement language in our policy reads: .... Carpeting, built-in or permanently installed…