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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.
When snow slides off the roof and damages spouting on the way down, is there coverage?
Tree causes downed power lines and resulting low voltage, damaging property. Is this covered?
Burned, But Not Dead, Trees Covered? We have an HO3 4-91 policy. The loss is a brush fire in the insured's yard. They had damage to trees, shrubs, and…
Direct and Accidental Damage We have an insured who purchased a new vehicle in the summer of 2007. In the purchase agreement the insured opted to have…
Money or Business Property Limits at Issue Our homeowners insured maintains ATM machines. He recently made a substantial withdrawal at his bank and…
Policy Period Discussion I would like to have your opinion on the following situation: The Personal Liability coverage under Insured Location definition…
Property in Self-Storage Locker Q This question involves whether or not personal property in a self-storage unit is covered and to what extent. There…
Discusses forceable entry and missing property in a facility open 24/7.
Discusses cleanup of oil from underground pipes.
Bodily Injury to an Insured Our insured's daughter had her ears pierced, and an infection ensued. She had to have surgery and reconstruction of part…