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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.
Liability for Tractor off Premises We are looking for your opinion regarding liability coverage for a farm/garden tractor under a HO 03 04/91…
Fire breaks out in store, how is property valued?
Discusses frozen pipe claim when tenant did not pay the utility bills.
Is a recommendation for a gutter cover covered under ordinance or law?
What coverage is available when a residence suffers a second fire loss while repairs are being made for an earlier fire loss?
A question of coverage for mold damage when the mold is hidden inside a cabinet.
Mitigation Expenses Coverage We would like to address a question that comes up continually with insurance companies. On landscaping and coverage B…
Owners, Named Insureds, and Additional Insureds<br>We have a policy where four siblings own a home. The mother lives in the house but deeded the property…
Liability for Third Party Injury at Campsite The insured has a camper which is hauled to a rented campsite by a personal auto, unhooked from the vehicle…
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…