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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.
Asbestos Damage to Swimming Pool July 22, 2013 We have an insured with an HO-0003 (04/91) homeowner's policy. A neighboring property was having…
Vacancy Provision and the Building under Construction Exception July 29, 2013 Our insured buys houses in foreclosure, repairs or remodels as…
Is the cost of moving from a temporary rental apartment after covered damages to permanent residence is repaired covered under additional living expenses on a homeowners policy?
Should insured be reimbursed for $100 hotel bill incurred staying in a hotel while water backup damage is repaired?
Collapse or Cracking Caused by Pile Driving as a Covered Claim July 8, 2013 Our insured is adding an addition to his building, which will…
"Upset" and "Overturn" Are Not Redundant Terms July 8, 2013 The insured was hauling an ice machine from his warehouse to a location where he…
Volunteer Workers and Tips July 15, 2013 We insure a seasonal condo association consisting of 20 individual units under CGL Form 00 01 12 07. During…
Duties of Appraisers July 9, 2013 I am an Independent Adjuster assigned to represent a carrier as a competent, impartial appraiser on a homeowners claim.…
Unauthorized Alterations and Coverage under a BOP July 8, 2013 Our client, who is insured under a businessowners form, was in the process…
Nesting and Infestation Exclusion July 1, 2013 Woodpeckers are pecking at the insured's outdoor electrical components, which are located in a…