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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.
Debris removal and tree coverage.
Weight of Ice or Water Our insured is covered by the 1984 ISO HO-3 and received damage to his above ground swimming pool due to the weight…
Fire, concrete roof and ensuing loss.
When part of an older roof is damaged, matching issues come into play.
Septic tanks and water backup.
When an insured changes carriers and discovers hidden damage, what should the date of loss be?
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…
Our insured recently suffered water damage to the contents of his home. He was in the process of remodeling and the contractor had removed a part…
Water backup and sump pumps.
Care, Custody, or Control Exclusion vs. Business Pursuits Exclusion Q Our insured, vice-president of sales for a large company, has an HO 00 03. We…