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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 property of others is stolen from a residence.
Fire, concrete roof and ensuing loss.
We have a consumer inquiry involving damage done to a rental property by a tenant. The dwelling was insured under a DP-3 form, 10/00 edition. The…
Can lawnmowers be covered under the building portion of the policy?
Theft of Keys—Auto or Homeowners Coverage?QOur insured had a set of keys stolen from his house and included in that set was the key…
Removal of Oil Tank Q Our insured has a rental property insured on a dwelling fire policy. He now wants to sell the house, but there is a problem.…
Paved or Non-paved Driveway Our policy states that an insured has coverage to remove tree debris if it is on a structure, or blocks a driveway. …
When part of an older roof is damaged, matching issues come into play.
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…
Business Property or Insured's Property Under AAIS form HO 0003 01 05, coverage C, a. 2) we find coverage for "personal property…