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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 the circuit breaker trips and the food spoils, is there coverage?
When a faucet is left running, is it seepage, leakage, or something else?
A quick explanation of the water back-up and sump overflow endorsement.
Coverage on both commercial and personal auto policies when other vehicles are used.
This question deals with the reasoning behind why an insured's mid-term cancellation is short-rated rather than pro-rated.
Sometimes the repair of damages from a hurricane can lead to unexpected mitigation, such as in the case when replacement of flooring required asbestos abatement.
When the at-fault party's limits are exceeded and the injured party's carrier also pays out, how are the at-fault party's funds distributed?
When a maintenance item is left unattended it can lead to further damage, such as when a tree is allowed to continue growing out of a downspout.
Civil authority and additional living expenses are often the first coverages that come into play after a storm.
Is an honest mistake a compensable loss?