- 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.
Medical Payments Coverage Applies to Travel Expenses? Our insured turned in an auto accident claim recently and asked about medical payments coverage.…
Photos Damaged—Is Repair Covered? Q Our homeowners insured has replacement cost coverage for contents. Recently, she sustained a covered loss…
Ice Causes Trees to Fall—Water Damage? We have a carrier coding the ice losses from tree branches breaking off and damaging homes as water losses.…
When a vehicle encounters water, should it be covered by collision or comprehensive coverage?
Water backup and sump pumps.
Other Insurance and Personal Property at Secondary Residence Our insured had a total fire at his vacation home. The home is insured on a DP 00 01 (07…
Water Leakage Causes Covered Damage? We have an insured that had a leak occur in the line running from her house to the municipal sewer. According to…
Personal Property Stolen From a Rental Dwelling Q Our insured has a DP 00 03 07 88 on a single family rental property. He keeps tools there so if…
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…
Fixtures Include Modular Office System? Q We have a commercial property client with a CP 00 10 04 02 policy who suffered a loss due to Hurricane Hortense.…