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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.
Intent of 5 Percent Debris Extension? There is a 5 percent extension for debris removal of covered property under the HO-3 forms. Stated coverage under…
Owners, Named Insureds, and Additional Insureds We have a policy where four siblings own a home. The mother lives in the house but deeded the property…
Is a recommendation for a gutter cover covered under ordinance or law?
A question of coverage for mold damage when the mold is hidden inside a cabinet.
What coverage is available when a residence suffers a second fire loss while repairs are being made for an earlier fire loss?
Discusses frozen pipe claim when tenant did not pay the utility bills.
Discusses whether odor from a neighboring residence can trigger ALE for an insured.
Liquor Liability Exclusion and Scheduled Exception May 2, 2011 Liquor liability exclusion endorsement, CG 21 51, is attached to the CGL form of our…
Homeowners Coverage for a Business Property Our insured is an employee of a rural water association. Someone stole a water line detecting device from…
A question of coverage for mold damage a result of water seepage over a period of more than fourteen days.