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.

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.

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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.


January 08, 2024

When a window cleaner scratches the glass he is working on, is there coverage?

January 01, 2024

When a water leak causes the house to shift, exactly what is covered under the land stabilization endorsement?

December 26, 2023

A collection of favorite personal lines questions selected by the editors for 2023.

December 18, 2023

A collection of favorite commercial lines questions selected by the editors for 2023.

December 11, 2023

Damage to mismatched tiles and when can an appraisal be filed.

December 04, 2023

When a roof is damaged and during repair it is discovered that the decking is worn, should the decking be covered as part of the loss?

November 26, 2023

When working with a Builders Risk form, are fences covered?

November 19, 2023

When an insurer rejects an insured's proof of loss, what happens next?

November 12, 2023

Power outage, spoilage, and related endorsements.

November 06, 2023

In this Q&A of the week, an insured runs over a nail with her vehicle and wants to know if it would be a collision loss or excluded under road damage to tires.