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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.
Is a tripped breaker a covered cause of loss for business income?
Cohabitating Fiancé November 1, 2010 We denied a burglary claim due to the stolen property belonging to a roomer/tenant and the covered property…
Unloading of Vehicle is not Direct Physical Loss The insured has a Business Auto Policy with a tractor and a trailer listed on it. The tractor has symbol…
Loss of Value Is Not Direct Physical Damage October 18, 2010 Our insured is an antique dealer with a special businessowners form. He purchased two…
Damage to Air Conditioner Caused by Power Surge October 11, 2010 We have a coverage question under our HO3 policy. The insured's AC unit condenser was…
October 13, 2010 Breaking In and Exiting Damage Covered; Other Theft-Related Damage Not Covered Our insured suffered a theft of copper piping and water…
October 13, 2010 Swimming Pool Not Described on Dec Page Not Covered I am trying to determine if a swimming pool is covered under a CP 00 10 06 07 if…
Undamaged retaining wall and loss to rest of building.
October 13, 2010 Water Damage Claim Excluded by Wear and Tear Exclusion This question concerns coverage on a BP 00 02 12 99. It is a typical water damage…
Application of ordinance or law endorsement when policy is replacement cost.