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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.
Replacement Cost Coverage for Leased Equipment? Q We have a question pertaining to the leased property endorsement (CP 14 60 07 88) and the need for…
Computer Virus as a Vandalism Loss? Q Our client's computer was vandalized by installation of the Michelangelo virus that destroyed all his data on…
Sharks Teeth Considered Fine Arts I am handling a burglary claim where our insured is claiming over $300,000 in stolen sharks teeth. He has a Jimmy…
Improvements and Betterments—Coverage Dependent on Term of Lease? Q Our insured had lightning damage occur to a central air conditioning unit…
Market Share Theory and Defective Products Q My client is a pharmaceutical laboratory and has purchased products liability coverage. The lab believes…
Debris Removal under Commercial Property Form Q We would like your opinion concerning coverage for debris removal under form CP 00 10 04 02. Our insured…
When heat is turned off only in part of the building, is damage due to freezing covered?
Mortgagee Clause Applied in Foreclosure Q We insure a large property valued at over a million dollars. The mortgagee foreclosed on the property. Shortly…
Coverage Territory of the CGL Form Q We know that the definition of coverage territory has been revised in the new CGL forms. Does the revision extend…
Deductible - How to Apply Q We are a public adjusting firm. Our client is a hotel located on the Atlantic coast of North Carolina . The hotel is insured…