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.

Alert Icon

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 19, 2026

When a power surge damages the a/c in a bus, is there coverage?

October 12, 2026

Does debris removal have to be incurred before payment is made?

October 05, 2026

When a tree gets blown onto neighbor's property, is there coverage to remove the tree?

September 24, 2026

When a vehicle is damaged when the shop works on it, where is coverage found?

September 14, 2026

When a tree falls on and damages a tree house, is there coverage?

September 06, 2026

When teachers want to carry a weapon in school, what are the liability concerns?

August 31, 2026

When a property is significantly damaged and the insured decided to buy another house, how is loss settlement handled?

August 24, 2026

When a water main breaks, is it ground water, surface water, or something else?

August 17, 2026

Differentiating between windstorm or hail and weight of ice or snow damage.