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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.
Collapse of RetainingWall Causing Damage Our insured has a homeowners policy with form HO-3. Recently, hydrostatic pressure caused a retaining wall…
Deductible(s)—Damage by Wind and Lightning Our insured, on an HO 00 03 10 00, had his home damaged during a recent thunderstorm. Lightning…
Debris Removal Part of ACV Loss? There was a fire loss to the insured’s home. I have reached agreements for the coverage A (building) portion…
Definition of Insured Bar to Coverage on HO We have had a claim denied under a homeowners policy and would like your help in explaining the denial…
Dwelling Under Construction—Liability Coverage Our insured is a homeowner who is acting as his own general contractor in building his new home.…
Duplicate Contents Coverage I am handling a case on behalf of an insurance company. Coverage C of their homeowners policy is at issue in this bad faith…
Damage to Hotel Room on Business Trip—CGL or Homeowners? Our insured, vice-president of sales for a large company, has an HO 00 03. We also insure…
Damage to Common Areas under a Tenant Homeowners? Our insured, who rents one of three units in a landlord-occupied dwelling, has an AAIS tenant homeowners…
Discusses damage from falling rain as opposed to surface water on a dwelling policy.
Damage Caused by an Insured? A part-time residence employee, while edging a yard, flipped a stone up that broke the window of his own pickup. We think…