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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.
Depreciation and ACV September 15, 2014 A homeowner has a replacement cost policy for the dwelling but has an ACV endorsement for the roof. The roofing…
Builders Risk Pro Rata Cancellation Question September 2, 2014 If a construction contractor renews a builders risk policy for one year but then completes…
Trailer Coverage under Symbol 2 September 8, 2014 Our insured had and still has a business auto policy, CA 00 01. Physical damage coverage is under…
Television Damaged during Testing September 2, 2014 I have an insured (subcontractor) who has set up a number of electronics to test the system as part…
A question of bats, and whether they fall into the category of birds, vermin or rodents.
Theft of Employee Tools and Care, Custody, or Control Question September 2, 2014 I have a claim involving theft of employee tools and need your opinion.…
Limit on Coverage of Loss to Stock August 25, 2014 On the declarations page of a CP 0010 06 07, Building and Personal…
Common Area Staircase Damaged September 1, 2014 Our insured has a BOP policy. The insured leased an area in a building in which to run…
Discusses whether this loss is a covered occurrence or excluded faulty workmanship.
Loss of Water as Loss of Use August 18, 2014 I have had two recent scenarios that involve an increased water bill following a covered loss. In…