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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.
Lightning and utility services exclusion.
PAP Exclusions January 11, 2016 We have an insured with a PP 00 01 personal auto policy who rented his 99 Dodge Ram truck to a construction company…
Theft of Property in Transit January 4, 2016 Our insured's executive director had the company's laptop computer and iPad, and they were stolen from…
Example of Concurrent Causation January 4, 2016 The introductory language to the section B.1 exclusion on the ISO special causes of loss form states,…
Discusses costs related to drought and extra expense coverage.
Discusses the definition of occurrence under a property policy.
Wall-to-Wall Carpet over Hardwood December 28, 2015 I have a coverage question that has arisen with a partial loss house fire on an AAIS Form HO3.…
Personal Auto Accident Question December 21, 2015 Under a personal auto policy we have a situation in which our insured struck the rear of another vehicle,…
Questions if the insured must prove that the property deductible will be exceeded before the carrier will pay for the loss of business income
Your Work Exclusion Inquiry December 7, 2015 Our policyholder was hired to re-stain an existing wood fence. He power washed the fence with water only,…