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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.
Discusses the difference between vandalism and simply changes to the property.
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…
Volunteer Workers Coverage Q We have questions that were put to us by a not for profit educational organization, and are unsure how to answer. This…
Insured continues driving after vehicle begins leaking fluid, damaging engine.
Vehicle Peril—Motorcycle "Leathers" Covered Q Our homeowners insured was forced off the road by an oncoming auto while operating his motorcycle.…
Named Insured does not Occupy Residence Premises—One Our agent placed a homeowners policy with our company. The named insured has never occupied…
Theft Peril and Personal Property at Another Residence I have an insured with a standard homeowners policy. He has a fishing boat insured on the policy.…
Personal Liability Coverage for Negligent Misrepresentation? Q My insured was recently found negligent in circuit court for failing to disclose a…
Dwelling Fire Policy and Tenant's Carport Our insured has a standard dwelling fire policy with the premises liability endorsement. The insured's…
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…