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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.
Deductible Calculation November 22, 2011 In a settlement for contents with no replacement cost coverage so the contents will be settled at ACV only…
Storm Damage Raises Deductible Questions November 21, 2011 A commercial building sustained wind damage to the roof and interiors as a result of a windstorm.…
How to settle ALE claim when claim exceeds policy time limit for coverage.
Does falling onto a vehicle count as being "on" the vehicle?
Condominium Building Damage Coverage Depends on Policy Wording October 31, 2011 The subject property is a commercial condominium. There is a…
Chimney Collapse during Liner Installation Noncompensable Faulty Workmanship? The named insured has an HO 03. A contractor installed a new chimney…
When an insured has products with a warranty, what happens to the warranty when the product is damaged?
Occupied, Under Construction, or Moving in Our insured purchased a brand new home. The construction was completed by the builder, permits secured,…
That Particular Part The District Court of Appeal of Florida , Fourth District, ruled on a dispute centering on the phrase "that particular part". This…
Occupancy and Utilities October 24, 2011 We are working a claim in which the home was still being occupied but the insured had the utilities off for…