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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.
When wind causes a tree to fall, is resultant water damage covered as a result of the wind damage?
When wind damages property that was installed incorrectly and the local ordinances require undamaged property to be replaced, does the ordinance or law coverage apply?
When the SWAT team arrives and discharges tear gas, does the discharge of the gas fit the definition of the smoke peril?
A question concerning just what coverage is provided when the Vacancy Permit CP 04 50 is used.
When a student is out of the country for school, does liability coverage still extend?
Do gunshots that damage a building fall under the vandalism peril?
When the seepage isn't behind a wall but is behind a moveable object, does the exception apply?
When the insured's property sustains a fire and the runoff damages a Koi pond, is there coverage?
How does policy language line up with state regulations concerning insurers ability to underwrite based on dog breeds?
When an insured has a UMPD claim, how does rental reimbursement get covered?