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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.
Vehicles Used to Service the Insured Premises Q We insure a home under AAIS form 3, edition 2.0. The insured owns a go-kart that was damaged by one…
Vehicle Peril—Capsized Boat Q A homeowners insured (form HO-4) has submitted a claim for a watch, binoculars, clothing, etc. lost when his sailboat…
Theft from Home Not Yet Occupied Q Our insured sold his house prior to having a new one constructed. He moved into an apartment and put his contents…
Replacement Cost—Second Insurer Liable Even if First Insurer Paid Too Much Q One of our homeowners insureds was paid for a total loss to his…
Medical Payments to Others—Preventive Medical Care Q We have a question about homeowners medical payments coverage. Our insured was entertaining…
Repeated Seepage or Leakage Q Our insured is covered under an HO 00 03 04 91. Some time ago he noticed a wet patch on his bedroom wall. He meant to…
Ordinance or Law and Rebuilding the House Elsewhere Q This issue concerns interpretation of the Ordinance or Law coverages found within the HO-3 (Ed.…
Portable Boat Hoist—Where Covered? Q We have an HO 00 03 05 01 insured. He has a boat insured with another carrier. Not long ago, a severe windstorm…
Theft Coverage for Dwelling Being Repaired Q Our client is insured on an HO 00 03 04 91. Recently, he had a partial fire loss. The kitchen and adjoining…
Notification Requirement Satisfied by Calling Police Under most policies, there is a duty for the insured to notify the police in the event of a theft…