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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.
Residence Premises Defined? One of our homeowners insureds (on an HO 00 03 10 00) was in a nursing home for nearly five years prior to her death. Her…
Boatowners—Marine Life Exclusion We have a boatowners insured. The policy insuring the boat is not an ISO form, but we hope you can help us in…
Causal Relationship in an Auto Accident Our insured rear-ended another vehicle that was towing a trailer. There was minimal damage, but our insured's…
Are Injuries to Family Pet Covered? Our insured visited a relative, whose dog laid under our insured's truck, in the shade. When the insured left, he…
Auto as Defined on the PAP Our insured has a personal auto policy. He needs to rent a U-Haul truck for the weekend for nonbusiness use. The personal…
Discusses acid rain as a covered loss under comprehensive coverage.
Actual Cash Value or Replacement Cost on Farm Outbuilding? Our farmowners client is covered on a American Association of Insurance Services (AAIS)…
Transfer of Rights of Recovery March 21, 2011 In the BAP, CA 00 01, under the Transfer of Rights of Recovery Against Others to Us clause, who is the…
Discusses a loss at one of multiple locations, and whether the locations being on the same or different policies makes a difference.
Paint Particles Throughout House March 7, 2011 The insured had a painter performing some interior spray painting on the stair railings. Based on the…