- 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.
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…
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…
Parking Condo Coverage on Homeowners Policy? Q Our HO 00 03 05 01 insured owns, in conjunction with several other people, a private "parking…
Watercraft Liability Coverage for Homeowner's Friend? Our insured has a homeowners policy that is similar to the ISO HO 00 03. He has a boat with an…
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…
Application of water backup endorsement.
Deductible Application for Multiple Locations Loss If an insured has two separate locations insured on the same ISO homeowners policy, and each location…
Transportation Costs to Return from Vacation Covered? Q An insured was away on vacation when she learned of a fire at her home. She had to return…
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.…
Other Insurance Clause and Homeowners Coverage Q When two insurance companies provide property coverage in equal amounts on the same dwelling, can…