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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.
Residency and Ownership October 25, 2012 Our insured was living in a residence located in south-central California approximately 16 months prior to…
Date of Purchase and Date of Vacancy My question involves a dwelling fire policy with basic coverage. The client purchased a home with the intent to…
It seems like we are getting more claims presented for damage perpetrated by insureds' own children. On HO3 coverage what is FC&S's call on damage…
Discusses policy requirement for theft prevention and access through doggie door.
In a multi-family dwelling, what establishes vacancy?
Do gun parts fall under the special limit, or are they separate property?
Discusses broken window and rain coming inside.
Subsequent Damage When First Repairs Have Not Been Made November 12, 2012 During the recent hurricane, our insured's home sustained damage to her roof.…
"Property Removed" Coverage? Our insured has an ISO HO 00 03 04 91. There was a furnace malfunction (puffback) which caused smoke and soot throughout…
Replacement Cost for Multiple Items October 29, 2012 I need info on requirements for an insured to be paid holdback. Our insured has a contents claim…