- Home
- Channels
- Resources
- Q&A
- Charts
- Forms
- Litigation Watch
- CE & Training
- Insurance News
- About Us
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.
Failure to Comply with Duties under Policy We have run into a situation in which an insured has failed to respond to our attempts at contact in order…
Voluntary Payment by Insured Leads to Denial of Coverage We insure a company under a standard Businessowners Liability policy. Our insured was hired…
Special Limits and Fine Arts Regarding the HO 3, please confirm there are no Special Limits of Liability under Contents for Fine Arts, artwork, etc…
Crossed Wires Caused Artificially Generated Electrical Current Our insured was changing a light bulb in an old fixture and the wires crossed, causing…
Understanding the cause of loss and coverage when the insured wasn't present to know what happened.
Refrigerator with an Odor We had an insured who had their refrigerator stop running while they were on vacation for a week. When they returned it was…
Medications Considered to be Personal Property? Would you consider personal medication part of personal property coverage? West Virginia Subscriber…
Homeowners Co-insurance Penalty Under an HO-3 open peril policy, is cleaning of the dwelling after a partial loss subject to the underinsurance penalty…
Fungi Endorsement Application I have a mold claim on a form 3 homeowner policy. They have the fungi coverage endorsement. The endorsement states we…
Deceased Insured and Coverage for Remaining Property Our named insured passed away in November 2007. The house remains unoccupied. In late December…