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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.
Person Living in Unit over Barn October 26, 2015 I have a standard HO-3 on this risk; the insured is in horse country and has a barn with a living unit…
Winterizing Gone Awry October 26, 2015 A client of ours owns a second home in New Jersey and had hired a plumber to winterize his plumbing before the…
Loss Payable Clause versus Lender's Loss Payable Clause November 2, 2015 What are the practical differences between a loss payable clause and a lender's…
State partks and coverage from the homeowners policy when you're staying in the park.
Discusses ordinance or law provisions in conjunction with policy language for loss settlement.
Determining Cause of Loss October 26, 2015 A hole was discovered in a client's pool super structure. They have an all risk policy. The insured believed…
Diesel mistakenly put into gas engine causes damage.
Discusses damage to pump and coverage for lift station.
When is payroll included for calculation of business income loss?
Property Temporarily Off-Premises October 12, 2015 My question concerns the definition of "temporarily" as used in the business personal property off-premises…