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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.
Medical Payments Coverage Applies to Travel Expenses? Our insured turned in an auto accident claim recently and asked about medical payments coverage.…
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…
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…
Water as Personal Property Q We have a loss under an AAIS homeowners form ML-3. Our insured's well was contaminated with fuel oil. We all agree that…
Clean-up Coverage HO-6 condo policy - our insured rented the unit to a couple they were acquainted with - and on 11/27/07 the wife shot herself in the…
Water Damage to Personal Property Q We insure the tenant of a house under an HO 00 04 05 01, with broad form named perils on his personal property.…
Money or Business Property Limits at Issue Our homeowners insured maintains ATM machines. He recently made a substantial withdrawal at his bank and…
Water Damage From Collapsed Swimming Pool Q Our client is insured by a homeowners policy form HO-3. Their above-ground swimming pool collapsed due…
Theft of Phone Time—Insured Loss? Q We have had a somewhat unusual claim presented to us. The insured has an HO 03. She had to go out of town…
Other Insurance and Loss Settlement on Homeowners Policies Q We are unsure how to settle a claim where two homeowners policies apply, and would like…