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.

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.

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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.


January 05, 2026

A question concerning ensuing loss provisions and mismatched repairs.

December 29, 2025

When coconut gets spilled from the company van, is cleanup covered or not?

December 29, 2025

Some of the editors' favorite questions that were submitted this year.

December 22, 2025

When an insured goes on vacation while displaced due to a loss, does ALE cover hotel and meals while the insured is away?

December 15, 2025

Review of the exclusion for foundations below the basement or surface of the ground. What about the machinery?

December 07, 2025

When an insured forgets to put the drain cap on the dehumidifier and it leaks.

December 01, 2025

When a vehicle quits running due to contaminated fuel, what coverage applies?

November 24, 2025

When the insured is not rebuilding the dwelling that burned, is there coverage for loss of rents, and if so, for how long?

November 17, 2025

When a customer's ordered vehicle is damaged while modifications are being made before delivery, where is coverage found?

November 10, 2025

Would abatement of asbestos be covered under an HO 06?