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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.
What happens when there is an owner and a management company, which insurance is primary, or do they share a loss?
Release of Pollutants Brought on Premises by Insured September 16, 2013 Our insured is a contractor and sprayed a chemical solution in…
Updating of Undamaged Septic System September 4, 2013 I have an insured who has suffered covered fire damage to his home. During the course of reconstruction…
Hail Blocking Gutters Not Exception to Commercial Property Limitation August 19, 2013 Our insured carries a CP 10 30, Causes of Loss – Special…
Tenant's Policy Coverage When Tenant Dies on the Property August 6, 2013 We have a commercial client who had a tenant die in an apartment. It…
Extenuating Situation When Reporting a Loss August 6, 2013 We have a major homeowner loss where the owner was out of the country when the fire rendered…
Business Property when the Insured Retires August 6, 2013 When does business personal property become personal property? A gentleman retires…
Discusses common law marriage and coverage.
Suicide by Gunshot August 6, 2013 Question is under a homeowners policy, the named insured commits suicide by shooting himself with a shotgun. We are…
Bed and Breakfast May Not Be a Business August 12, 2013 The homeowner policy allows for occasional rental of the dwelling to others. What if the insured…