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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.
Air Conditioners – Additions and Alterations or Not? July 23, 2018 I need to clarify the following. In a personal property policy, the air conditioners…
Is a Towed Vehicle Covered? July 16, 2018 I have a coverage question related to a personal auto policy. The insured was driving…
Hot Tub and Malfunctioning Pump July 9, 2018 We have a client who has an HO3 policy ---- form HO 00 03 04 91 -- Unknown to the insured the hot tub had…
Discusses ALE expenses once insured has permanently relocated.
Under Homeowners form, questions if decaying racoon is a rodent for purpose of coverage determination.
Algae Growth and Fungi June 18, 2018 I know of the exclusions for mold, rot, deterioration, etc. However, I do not think that is what this is. I was…
Leak over Time June 8, 2018 We are working a claim where tenants occupied the property. The original tenant sublet the property (without…
Discusses emissions from vents and whether or not they are pollutants.
Deductibles when Two Policies Involved May 29, 2018 When prorating damages under a HO policy due to the “other” insurance clause, is the…
A recent office conversation involved a discussion of coverage for a town or board of education after an active shooter tragedy. Specifically,…