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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.
Direct Physical Loss and Cosmetic Loss Hail stones have created dents to a copper roof. The section of roofing is located over a second story bay…
Condominium Assessments with HO 17 32 and HO 04 28 Endorsements This is a claim under the HO-6 Condo Owners Policy with HO 17 32 endorsement and HO…
Replacement Cost and Purchase of New Dwelling On a Replacement Cost Dwelling Package or Homeowners policy, an insured wants to take an ACV settlement…
Pothole Damage as Collision Under the PAP? Would tires damaged due to hitting a pothole be considered damaged due to road hazard, and therefore fall…
A contractor who plows snow is covered by a Businessowners BP 00 03 01 06 policy. These operations left chain marks on some of the driveways that were…
Examination under Oath (EUO) and the Duty to CooperateThe carrier has demanded that our insured produce employees for an examination under oath.…
Mechanical or Electrical Breakdown Exclusion and Damage Caused by Voltage Regulator An insured was driving his vehicle when he smelled smoke. He pulled…
Mobile Equipment Transportation Causes Damage Our insured was transporting his auger in his pickup truck. The auger gear box came loose (cotter pin…
Endorsement providing coverage for backup of sewer and drains does not exclude coverage if sewer is located off insured premises.
Property Damage Coverage and Rental Vehicles The following question is on your Web site: Our insured was involved in an auto accident where the other…