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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.
Collapse Coverage under Homeowners Policy Our insured bought a seasonal residence in Michigan. We insured it on an HO 00 03 10 00. Last winter brought…
Collapse Coverage under an HO-3 Our insured has an HO-3. Our question concerns coverage for wet rot damage that has led to a sagging roof. The support…
Business Exposures Endorsement—Off-Premises We have a question about the use of homeowners endorsement HO 04 02 10 00 (permitted incidental occupancies…
Business Exposures Endorsement—Off-Premises We have a question about the use of homeowners endorsement HO 04 02 10 00 (permitted incidental occupancies…
Boat Sinking and Loss of Personal Property An insured's boat sank and the personal property on the boat was lost. The insured's boat policy only had…
Broken Glass Used to Level Yard We have had an unusual claim submitted to us, and would like your thoughts. Our insureds have an HO 00 03 04 91 on a…
Business Use Exclusion Applies to Sales Party? The policyholder was hosting a Mary Kay make-up party (she was not the consultant, just the host). Once…
Assignment of Claim Payment Farm Bureau Mutual Insurance Company's Policy States, “Change/Assignment of Interest---No change of interest in this…
Briefcase an Item of Business Property? One of our homeowners insureds was on a business trip recently when his $400 briefcase was stolen from his hotel…
Artillery Fungus Damage Our HO-3 insured recently had mulch delivered to his home by a local nursery. After the mulch was spread around his plants,…