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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.
How would a cistern be covered under a BOP - as plumbing, as a structure, or something else?
When an insurer wants to cut oversize tile to fit instead of replacing the entire floor.
When an insured takes his vehicle onto a track for a driving experience, does it fall under the racing exclusion?
When a tree damages a utility pole, is the homeowner responsible for repairs to the pole?
When a tractor/trailer tips over, is towing part of the loss, or covered under the towing coverage?
When vandalism to a water pipe causes a large water bill, is there coverage?
Some of the editors' favorite questions from this year.
Are seasonal docks personal property or an other structure?
In this Q&A, a subscriber asks if extra pay given to employees after a loss falls under extra expense coverage.
If an insured moves and fails to tell the insurer but keeps paying the premium, is coverage available?