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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.
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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.
Discusses care, custody and control exclusion.
Customers' Flooring under the Building and Personal Property Coverage Form May 30, 2016 We insure a flooring company that will store flooring in their…
Waste from Dogs Left Alone May 23, 2016 The landlord owns a home insured on a DP-3. The tenant dies off premises, leaving two dogs inside, unknown…
Discusses proper form for adding additional insured for state or government agencies.
Personal Property in Detached Trailer Considered Temporarily Stored? May 9, 2016 Our insured has a warehouse operation. A common carrier arrived late…
Resident Relative and Separate Policies May 3, 2016 The insureds are a mother and daughter who reside together. The mother has an HO-3 policy (HO 00…
Failure to Maintain Heat May 9, 2016 The insured has a secondary home with oil heat. The electricity was on and the heat was set at 55 degrees. During…
Detachable Trailer May 9, 2016 Under the Property Not Covered section, the DP 00 01 12 02 states the following: e. Motor vehicles or all other motorized…
Is time spent sorting property returned to the home covered under ALE?
Valued Policy and Application of Deductible May 9, 2016 We are hoping you can solve an internal disagreement about the deductible application on…