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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.
Late Estimate and Fair Rental Value October 2, 2014 Our insured had a water loss in a condo under a dwelling fire policy on 7/18/14. The…
Portability and Determination of Personal Property October 2, 2014 A policyholder suffers a fire loss to their detached garage. The insurance…
Engineering Report and Ordinance or Law October 2, 2014 I have an insurance carrier that does not want to pay for the cost of an engineering…
Extension of Liability October 2, 2014 The HO-3 policy covers the residence premises listed on the dec page. If the named insured is no…
A homeowner has a replacement cost policy for the dwelling but has an ACV endorsement for the roof. The roofing material that is currently installed…
Personal Property of Others Coverage in Comparison with Bailees Coverage September 22, 2014 What is the difference in coverage between personal property…
“Your Product” Defined September 1, 2014 Our agency insures a plumbing concern in Michigan. They installed a new sump pump that was faulty…
Damage to Your Property or Damage to Your Work September 1, 2014 We insure a businessowners policy with liability coverage form SB 00…
Loss of Consortium September 1, 2014 An insured has 50/100 BI coverage and is involved in an "at fault" accident. The claimant claims $50,000 in BI…
Comp or Collision Revisited September 1, 2014 The below capture is an excerpt from the FC&S Personal Auto discussion from your website questioning…