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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.
Animal Damage Exclusion on Homeowners Policy Our insured's toddler left a plastic bottle of grape juice lying on the wall-to-wall carpet. The family…
Business Personal Property and Theft Coverage under HO Policy We provide coverage to our insured under a homeowner’s policy. Coverage is written…
Bird Droppings and Damage to the Exterior of a Home Our homeowners insured is covered with a standard HO 00 03 04 91. During a recent storm a large…
Can pipe bursting be a covered explosion loss?
When the electrical current damages jewelry.
Is the cost to tear out a wall to fix a broken gas pipe covered under a homeowners policy?
Business Pursuits—Charitable and Social Boards A question has come up as to whether liability arising from an individual's service without pay as…
Personal Auto Exclusion A.3 and Multiple Insureds We have a claim in which the policyholder works for an auto dealership. He had a demo vehicle at his…
Damaged Prosthetic Leg Covered by Medical or Homeowners Policy? This pertains to a Dwelling Policy 3- ISO form DWG 3 in Louisiana . Insured had a prosthetic…
Fire Loss Claim under BAP The insured's vehicle was hit by molten metal thrown from a passing train causing the rubber around the windshield to smolder…