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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.
Diminution in Value under GKLL May 26, 2015 What is your opinion on diminution in value for a customer's auto involved in a garagekeepers covered loss?Does…
Damage to Trees and Removal of the Debris May 20, 2015 A tree felled by wind landed across a driveway. It did not damage the driveway, it just blocked…
Honey from Bee Hive Leaks into Dwelling May 20, 2015 Is there any coverage on an all risk policy for damages due to a bee hive leaking honey into the…
Appraisal and Mediation May 20, 2015 Our insured has a high valued homeowners policy, PHVH-998-LA(03/2011). My questions are relevant to the appraisal…
The named insured made a claim for a stolen snow blower. Her policy provides coverage for loss by named perils for personal property only. By endorsement…
Insured seeks coverage for frozen pipe water damage when tenant did not pay the water bill.
Solar panels are becoming more popular. We had a homeowners claim denied when solar panels collapsed due to weight of ice and snow. The panels were…
Questions a specific temperature to meet the requirement to maintain heat in a commercial building.
Damage to Neighbor’s Residence Caused by Insured’s Teenager May 11, 2015 Facts: Our named insured set up a tarp in his backyard so his fifteen-year-old…
Athletic or Sports Participants Exclusion May 4, 2015 My question concerns endorsement CG 21 01, the exclusion for athletic or sports participants.…