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.

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.

Alert Icon

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.


July 02, 2023

When a student is out of the country for school, does liability coverage still extend?

June 26, 2023

Do gunshots that damage a building fall under the vandalism peril?

June 19, 2023

When the seepage isn't behind a wall but is behind a moveable object, does the exception apply?

June 12, 2023

When the insured's property sustains a fire and the runoff damages a Koi pond, is there coverage?

June 05, 2023

How does policy language line up with state regulations concerning insurers ability to underwrite based on dog breeds?

May 29, 2023

When an insured has a UMPD claim, how does rental reimbursement get covered?

May 22, 2023

When an association policy is nonrenewed and the new policy is substantially more so that unit owners are assessed for the increase in premium, can they file a claim under their loss assessment coverage for the increase?

May 15, 2023

It's important to consider the what if's when selecting the proper coverages for an insured's operations, as is shown in this week's question about an insured who installs batteries in customers' vehicles.

May 08, 2023

When an insured has a triple net lease with the tenants, what coverage does the insured need on the property?

April 30, 2023

When a tree falls on a travel trailer, does coverage fall under the dwelling policy or the auto policy for damage to the trailer?