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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.
Coverage question regarding wind damage to roof on homeowners policy.
Questions the coverage provided by CG 24 15 for insured's underground storage gas tank exposure.
Subscriber looking for an interpretation of the water damage exclusion and the exception for theft related to water damage.
Test Driving Accident September 9, 2016 After repairing our insured's vehicle, the mechanic drove the car around the block for a test drive. While test…
Designated Person or Organization AI Endorsement September 9, 2016 We are new to the insurance business and have been requested by one of our customers…
In getting off bus insured falls on car; are his injuries covered?
Does med pay apply when patron harmed by food?
Discusses loading and unloading under the CGL and the BAP.
Boat House on Property Leased from Utility Company August 11, 2016 We insure several lake houses on a lake in North Carolina owned by Duke Energy. The…
Storms over Time and Application of Deductibles August 12, 2016 The policyholder experienced a hail loss and was insured on a HO 00 03 04 91. The policy…