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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.
Is artificial turf part of Coverage B Other Structures, or part of Coverage A or Coverage C?
When the insured knows the building is not in compliance with local building codes, coverage is affected.
When the water backup endorsement is added to a policy, does the limit affect any other coverages?
Water behind a retaining wall causes it to collapse. Could the failure of drains to remove the water make this a water backup situation?
Are child safety seats auto equipment or personal property?
Is loss of income coverage affected when a water backup endorsement is attached to a policy?
When a detached camper top is damaged in a structure fire, how does the homeowners policy respond?
How deductibles apply when hail is the cause of loss.
When the insured asks for appraisal on a claim, does he then have to share the appraisal with the insurer?
When a truck is damaged and needs to be towed from the scene of the accident, does towing coverage apply to a symbol 2 vehicle?