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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.
Multiple Mortgagees February 4, 2014 There was a fire loss in Wisconsin where the seven-figure home sustained a devastating house fire. The house had…
Guaranteed Replacement Cost and Repair or Replacement February 4, 2014 The policyholder has the guaranteed replacement cost endorsement (GRC) on her…
Removal of skunk spray and residual odor.
Heating Service Overfills Oil Tank February 3, 2014 I have a homeowners claim that is insured with ISO form HO 03 04 91. The cause of loss is an oil…
Alternate Employer Endorsement An Especially Useful Tool for Temporary Staffing Agencies January 27, 2014 Summary: To the extent…
Sold Vehicle Still a Covered Auto January 27, 2014 Our policyholder sold his vehicle to a private owner and never notified the insurer so the vehicle…
16 Acres of Wrong Crop Removed January 20, 2014 Our policyholder removed a crop of fruit bearing trees (16 acres of jujube) on the claimant’s…
May a land owner request loss of rental income coverage for a building owned by someone else?
When a damaged building is not going to be repaired, is depreciation considered a recurring expense?
Fluids Damage Assisted Living Facility January 7, 2014 Our insured had a HO 4 policy (04/91) policy. Our insured is a tenant at an assisted living facility.…