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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.
Raccoons in the Attic October 5, 2015 I have a client that has sustained raccoon damage to his home, including the soffit area. This is a seasonal home…
When Is an Old Heating System Too Old? July 27, 2015 An insured has an old heating system in need of repair. Each year he travels to Florida for a month.…
Discusses the damage to property exclusion when windows are scratched during replacement.
When insured decides to no longer rent the building and building is later vandalized, does business income rental coverage apply?
Wind-driven Rain over Period of Time September 14, 2015 We have an HO 00 03 05 11 with endorsement HO 32 32 06 12, which states that constant or repeated…
Are feral cats domestic or wild?
Damaged Reputation Claim November 5, 2012 This loss involved four full school buses. Our insured school bus rear-ended another school bus into…
Symbol 31 Coverage August 31, 2015 The question relates to physical damage coverage with Symbol 31 under the garage policy. I assume that once a car…
Auto Loan or Lease Coverage August 31, 2015 The insured has a personal auto policy (PP 00 01 01 05) endorsed with the auto loan/lease coverage (PP 03…
Volunteer as an Insured August 31, 2015 Can a volunteer worker recover bodily injury damages under a CGL policy given the fact that by definition he…