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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.
How long should ALE be paid when carriers can't agree on who should pay for repairs?
Property Damage Defined January 22, 2018 A policyholder has an ISO HO-3. The carrier has utilized the defined phrase of "property damage"…
Installation Materials Off Job Site January 15, 2018 I insure a commercial glass installation contractor. The majority of what the…
Non-related Residents-Are They Insureds January 2, 2018 The question I have is regarding a loss which occurred in IL and is looking at…
When Insured’s Damage Affects Other Side of Duplex December 27, 2017 Currently working on a fire loss that occurred in our insured’s tenant…
Notification of Replacement Cost instead of Actual Cash Value December 18, 2017 Loss Settlement - covered damage to a building is reported…
Discusses the application of the deductible with the 72-hour waiting period.
When are Expenses Incurred? December 4, 2017 When an insured hires a builder to make repairs, signs a contract with the builder, have…
Application of Deductible for Two Close, but Unrelated Losses November 27, 2017 Insured’s policy is the Homeowners 3- Special Form…
When the treatment plant backs up, what is the cause of loss?