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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.
Stolen CDs and the Homeowners Policy Q Our HO-3 ('91 edition) insured had some CDs stolen from his car. The thief also took the portable CD player…
A question of coverage for mold and water damage from frozen piping.
Fire Department Charges Covered by Auto Policy? Some municipalities automatically send out the fire department to an auto accident scene even though…
Our insured has a DP-3 policy on some rental property. A seam in a woodburner separated allowing smoke into the ductwork. The smoke was channeled…
Coverage for Auto Incident with Parked Car Under Homeowner's and Auto Policy Our insured had a son that did not live at home. The son brought…
Are carbon monoxide fumes in an apartment pollution?
Theft Limitation and Deductible on HO 00 02 Q One of my clients, who is insured on a HO 00 02 04 91, lost $7,200 worth of property in a burglary.…
Theft Coverage for Lost Luggage and Homeowners Policy Q We have been presented with a claim for theft of luggage from an airline, and are not sure…
Theft and Vacancy Exclusions Not Applicable to Newly Renovated Dwelling Q Our client owns rental property (a home), covered by a special form dwelling…
When a husband and wife are collecting additional living expense due to a homeowners loss, the policy does not cover the expenses of a spouse who leaves the other spouse and sets up an additional household.