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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.
Named Insured Requirements under the Commercial Property Form Our insured owns two businesses, a truck wash and a bus company. The truck company is…
Insured Contract Definition Questions June 3, 2013 Is there a difference between the CG 00 01 12 04 edition and the CG 00 01 12 07 edition in the definition…
Depreciation for Two Separate Wind Damage Losses May 28, 2013 Insured has first-party property coverage under CP 00 10 10 00 with broad form…
Loss of Rents Coverage (Dwelling Policy) My insured was covered under form DP 00 01 07 88 for $160,000. Under Other Coverages provision 5, he is entitled…
Discusses application of coverage when multiple policies at in force.
A question of coverage for mold damage as a result of condensation over time.
Loss of Natural Gas From Cracked Pipe Our homeowners customer recently discovered that the pipes carrying natural gas under his patio had broken down…
Care, Custody, or Control Exclusion and Dropped Trailer March 21, 2012 Our insured is a stevedoring business. While loading a trailer on a truck, the…
Fire Fighting Expenses as Property Damage March 21, 2012 Our insured accidentally started a forest fire that caused damage to a third party's forest/prairie.…
Residence Issue When Insured Travels for Business More Than He Is Home May 21, 2013 My client owns a house in Pinehurst, NC. The home is insured…