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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.
House in Living Trust after Death of Insured August 11, 2016 Our insured was a widowed lady who died two years ago, and all of the household contents…
Are broken door handles and similar damage that occurs over time damage?
Damage Caused by Bears September 5, 2016 If a bear damages the siding on the insured's garage, would this be covered under the homeowner's policy? Would…
Theft or Vandalism Damage? August 29, 2016 Applicable policy is a CP 00 10 10 91, Special Cause of Loss form. It is endorsed with a Theft Exclusion,…
Defense Costs for an Indemnitee August 22, 2016 How does the CGL form apply when it comes to extending defense cost coverage to indemnitees, that is,…
Appraisal and Disposal of Damaged Contents August 15, 2016 A fire loss lead to substantial damage to the insured's structure and contents. The contents…
Escaping vehicle in a flood leads to injuries; is this occupying or getting off of the vehicle?
Should pack-out be coverage A or coverage C?
Social or Recreational Activity and WC July 25, 2016 An employee was attending a party sponsored by his employer after working hours. The employer catered…
Is a vehicle falling off a lift collision?