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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.
Earth Movement Caused by Tree Roots Our insured's detached garage has been damaged by a neighbor's tree roots. As you can imagine, this has been going…
Homeowners Exclusion for Loss Caused by Civil Authority We have an insured with an AAIS homeowners form 3. Recently, the police fired tear gas into…
Hot Tub as a Swimming Pool? Our HO 00 03 04 91 insured has a hot tub on his deck that is kept full of water year round. This past winter was mild, but…
Luggage Lost or Stolen? This issue comes up a lot and there is always a difference of opinions. Our Insured flew on a commercial flight and although…
Engagement Ring—Who Should Insure? We would like your opinion concerning who has an insurable interest in an engagement ring. It has always been…
Liability Coverage for a Timeshare under a Homeowners Policy I have a question regarding time share property. As I understand it, you purchase a block…
Hunt Club Land and Business Pursuits Five of my clients covered by homeowners policies have formed a hunt club. They have purchased land in the name…
Falling Object Damaged by a Vehicle One of our homeowners clients is insured on AAIS form ML-3. He was transporting his lawn tractor on a trailer being…
Latent Defect Exclusion The roof of our insured's mobile home recently collapsed during a heavy rainstorm when rain collected on the roof. The adjuster…
Injury on Boat Dock—Homeowners or Boatowners? We insure a boatowner and another insurer writes the homeowners coverage. To protect his boat from…