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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.
Location of Residence August 2, 2012 Our insured was living in a residence located in south-central California approximately 16 months prior to a total…
- Is mismatched staining a loss in and of itself?
Discusses additional coverages and application of deductibles.
August 2, 2012An insured was issued commercial crime coverage form CR 00 29 07 02 (loss sustained) ed. 2001. The insured states that records are…
Power Surge Claim August 6, 2012 Insured had a laser machine inspected, and the error messages that appeared stated it was damaged by a power surge.…
Collapse of Floor August 1, 2012 PH insures a home under her HO 3 policy. The dwelling has a sunroom built on wooden piers. The patio floor caves in…
Do the actions of an insured contacting a claimant qualify as an invasion of privacy under the CGL?
Crime Coverage and What Is a Financial Loss Our insured is a hospital that maintains Employee Dishonesty Coverage at a limit of $2,000,000. Recently,…
Does loss of membership dues fall under accounts receivable for a nonprofit organization?
Second Claim Occurs Before First Claim Repairs Completed July 10, 2012 This is in reference to a non-owner occupied (rental) property. The insured…