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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.
Boiler Damage — Condition or Event Inside? Q Our insured, covered on the commercial property policy CP 10 30 10 90, suffered the following loss.…
Losses due to Noncompliance with ADA Requirements Excluded from Coverage under BP 04 46 The policy I am looking at is a BP 04 46 01 96 and contains…
Credit Card Fraud andCommercial Property Coverage Q Our insured is an electronics dealer, and does considerable business over his Web site. Recently,…
Collapse Loss or Wet Rot Loss? Q A church we insure recently suffered a collapse loss. The roof collapsed due to rotten timbers, and blew out two…
Protective Safeguards Endorsement and Mortgagees Q Our company issues mortgages, and we are named as a mortgagee on the insurance policies of these…
Ordinance or Law Not Applicable to Construction of Parking Lot An insured has a building with no parking. A current ordinance requires buildings to…
Outdoor Signs Q Pursuant to the commercial property policy, CP 00 10 10 91, building coverage is written to include outdoor fixtures. Signs, other…
Installation Floater—Damage Coverage? Q Our client, a heating and air conditioning contractor, keeps heating units in his shop that he takes…
Wind Loss and Golf Course Restoration Q Recently a heavy wind came through a local golf course and took down a 150 year old, seventy-five foot tree.…
Deductible and Hail Damage Loss We insure a building with a CP 00 10 Building and Personal Property Form and CP 10 30 Cause of Loss form. In 2004 the…