- Home
- Channels
- Resources
- Q&A
- Charts
- Forms
- Litigation Watch
- CE & Training
- Insurance News
- About Us
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.
Structures—What is "Attached?" Q We have a homeowners claim (HO 00 03 10 00) involving a garage that, except for the wall facing the dwelling,…
Scorching—Not a Named Peril Q We have a somewhat unusual loss. Our insured has an HO-3. He recently discovered his sofa appears to have been…
Sales Tax and Total Homeowners Loss Q We are an independent adjusting firm. We have been hired to handle a bad house fire. The home and the personal…
Named Insured does not Occupy Residence Premises—One Our agent placed a homeowners policy with our company. The named insured has never occupied…
Pollution Exclusion Applies to Cleanup of Corpse? June, 2002 We are adjusting a claim for the cost of cleaning up a corpse that had decayed within an…
Medical Payments Coveragefor Rental Property Q Our insured has an HO-3 (1984 edition) with the HO 70, Additional Residence Rented to Others, endorsement…
Water Damage Under the HO 00 03 Q Our customer is insured on an HO 00 03 10 00. During a recent heavy storm, heavy rainfall caused his well to overflow.…
What Constitutes Business Property on a Homeowners Policy? Q Our HO 00 03 04 91 insured is a free-lance author. She was scheduled to go to Russia…
"Sistering" and the Repair of a Home Q We are a public adjusting firm. Our client's home is insured on an independently filed HO 00 03 05 01. A recent…
Photos Damaged—Is Repair Covered? Q Our homeowners insured has replacement cost coverage for contents. Recently, she sustained a covered loss…