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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.
Towing Means Use under Farm Policy? We insure a farmer on form FP 00 10 09 94. Included in this policy is coverage E, Scheduled Farm Personal Property.…
Damage Done by Visiting Relative—Liability? Our insured was disabled and her sister came to live with her for a couple of weeks. The sister did…
Damage to Neighbor's Driveway A form HO 00 03 10 00 homeowners insured and her neighbor share a common driveway that runs between their two houses.…
Collapse from Weight of Snow—Awnings We are wondering about collapse coverage for awnings under homeowners form HO 00 03 10 00. The area we live…
Damage to Liner of In-ground Pool—Shrinking Exclusion Our HO 00 03 10 00 insured reported the liner of his in-ground pool had shrunk over the…
Animal Injured in Transit Covered by Personal Auto Policy? We have an insured who has a personal auto policy written on ISO form PP 00 01 04 86. Our…
Towing and Labor Costs under the PAP Our insured has a personal auto policy with endorsement PP 03 03, towing and labor costs coverage, attached. The…
Uninsured Motorist Coverage—Rental Reimbursement A claims department has recently turned down a claim for rental reimbursement on an uninsured…
Collision Loss Includes Damage to Eyeglasses? We have a question about coverage under a personal auto policy. Our insured was driving home after attending…
When termite damage occurs and doesn't seem to be excluded.