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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.
When ice breaks a tree limb, is the cause or loss ice or falling objects?
Application of special limit to equipment for firearms.
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…
Discusses deductibles that should be applied to loss assessment claims.
IS a girlfriend a resident, roomer, boarder, or tenant?
Guaranteed Rebuilding Coverage Our insured has an HO 00 03 10 00 with endorsement HO 04 11 10 00 additional limits of liability for coverages A, B,…
Farm Personal Property versus Personal Property We write a lot of farm business. Our insured had a farm policy that provided coverage for farm personal…
Is There Homeowners Coverage for Minor Children Who Leave Home? The minor son of our HO-3 client recently moved out. He has expressed his intention…
How Should HO 00 15 Be Applied in Piano Loss? Our homeowners insured has a 1916 mahogany Steinway grand piano that he purchased some fifteen years ago.…