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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.
Exclusion of Wet Rot—Homeowners We have an unusual situation and would like your opinion. Our homeowners insured's bathtub was improperly installed…
Is Personal Property Covered on HO-3 during an Insured's Move? We have a client insured on a standard homeowners policy (HO 00 03 05 01). We recently…
Internet Fraud Covered Under Homeowners? Our homeowners insured paid a substantial sum of money for a Rolex watch he saw offered at an internet auction…
Homeowners and Personal Auto Policy—Loss Covered by Both?<br>Our insured borrowed a pickup from his father-in-law, which had a utility trailer attached.…
Intentional Injury Exclusion and Various Insurance Policies We just heard of a disturbing court case, in which a homeowner shot a man, who later…
Injury on Boat Dock—Homeowners or Boatowners? We insure a boatowner and another insurer writes the homeowners coverage. To protect his boat from…
Discusses damage from an ice dam to the interior of the home.
Discusses the liabiity of a landowner when tenant's TV is damaged by a short in the circuit breaker.
Liability Coverage on Right-of-Way? Our insured has a right-of-way through his property that is used consistently by the local power company. Since…
Guaranteed Replacement Cost—Effect on Other Coverages The standard HO-3 policy provides coverage for trees and shrubs in the amount of 5 percent…