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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.
Self-Propelled Tractor Damages Parked Vehicle November 26, 2012 The insured was in the process of backing a self-propelled tractor (used to aerate lawns)…
Power Surge, Damaged Computers, and Incompatible X-Ray Machines November 19, 2012 A power surge destroyed the insured's computers. The insured is a…
Chinese Drywall What ISO policy exclusion under an HO3, if any, applies to a product defect? We have seen a couple of instances in Louisiana where the…
Hot Tub Loss as Coverage C or Coverage B? Our Insured has a hot tub. It is a self contained unit, located in an out-building, separate from the house.…
Vehicle Related Property Losses 2 claim coverage questions. AAIS Form 3, Ed. 2.0 for Homeowners. 1. Theft of 2 laptops from insured's car. One belonged…
Residency and Ownership October 25, 2012 Our insured was living in a residence located in south-central California approximately 16 months prior to…
Date of Purchase and Date of Vacancy My question involves a dwelling fire policy with basic coverage. The client purchased a home with the intent to…
It seems like we are getting more claims presented for damage perpetrated by insureds' own children. On HO3 coverage what is FC&S's call on damage…
Discusses policy requirement for theft prevention and access through doggie door.
In a multi-family dwelling, what establishes vacancy?