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.

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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.


October 07, 2024

A policy excludes matching when the components don't match due to age or wear and tear. But when the new components are not compatible with the existing ones, should all the siding be replaced?

September 30, 2024

When fluids leak from a vehicle after an accident, is there coverage for cleanup of those fluids?

September 22, 2024

When multiple vehicles are damaged by hail at the same time, does a separate deductible need to be applied to each vehicle?

September 16, 2024

Can a skid steer be considered business personal property when it's damaged by fire on the insured's property?

September 09, 2024

When wind blows roofing up allowing water to enter the dwelling, damage may or may not be covered.

September 01, 2024

Providing proper coverage for a boom crane.

August 26, 2024

When an insured's appraisal needs correction but the insurer is reluctant to accept corrections.

August 19, 2024

A used car dealer finds himself without funds after accepting a check written on a closed account.

August 12, 2024

How does the timing of multiple ACV payments affect the payment of withheld depreciation?