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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.
When an insured changes his mind about fixing the property after receiving the settlement check, what should happen to those funds?
When patients at a rehab get into a fight and one is fatally injured, what policy applies?
When an insured accidentally drives a vehicle into the pond, is it collision, other than collision, or mechanical breakdown?
Determining what is part of the building or personal property on a flood policy.
When the rodents chew the wires, is the damage covered?
When a property is vacant and damaged by a frozen pipe, does coverage apply?
When a storm leads to damage from rain, mudslides and falling rocks, what perils and deductibles apply?
When a fence is damaged, is it covered at replacement cost or actual cash value?
When an insurer hires a contractor to repair the property and the contractor doesn't repair it correctly, is the insurer responsible for seeing the project through to correct completion?
When the boiler malfunctions, did the insured take reasonable steps to maintain heat?