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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.
Guiding Principles Not Binding on Insured? The Guiding Principles are not binding on insurers although many have voluntarily agreed to abide by the…
Volunteer Workers Coverage Q We have questions that were put to us by a not for profit educational organization, and are unsure how to answer. This…
Damage to Property due to Service of Search Warrant Does the Dwelling Property 3 cover damage to the dwelling by police serving a search warrant on…
Dwelling Fire Policy and Tenant’s Carport Our insured has a standard dwelling fire policy with the premises liability endorsement. The insured's…
Safe Deposit Box Drilling Covered? Our insured's dwelling and personal property were destroyed in a tornado. The keys to her lock box at the local bank…
Fragile Articles Coverage under Commercial Property Policy Q One of our insureds had a customer's marble slab resting on a bunker. The bunker collapsed,…
Condominium Gutting Excluded as an Act or Decision? We have several insureds, insured on standard condominium unit-owners policies, who resided in a…
Motorized Vehicles and Mini-bikes We use an AAIS Homeowner and Farmowner form 2 (2.0). The definition of a motorized vehicle is a self-propelled land…
Theft Peril and Personal Property at Another Residence I have an insured with a standard homeowners policy. He has a fishing boat insured on the policy.…
Salvage Rights to House? The scenario is this. We have a client who was under-insured at the time of loss. The policy limit on the contents portion…