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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.
Collapse During Construction—Vehicle Peril as Cause of Collapse<br>Our insured is building a new home and we're using a HO-3 as a form of builders…
Collapse coverage varies by form.
Definition of Insured Bar to Coverage on HO We have had a claim denied under a homeowners policy and would like your help in explaining the denial…
Dwelling Under Construction—Liability Coverage Our insured is a homeowner who is acting as his own general contractor in building his new home.…
Damage to Common Areas under a Tenant Homeowners? Our insured, who rents one of three units in a landlord-occupied dwelling, has an AAIS tenant homeowners…
Discusses damage from falling rain as opposed to surface water on a dwelling policy.
Builder's contractual liability does not pass to homeowner.
The following exclusions apply to: 1. all property covered under this form. c. Extremes of temperature or dampness of atmosphere. We do not pay…
Debris Removal Part of ACV Loss? There was a fire loss to the insured's home. I have reached agreements for the coverage A (building) portion…
Deductible(s)—Damage by Wind and Lightning Our insured, on an HO 00 03 10 00, had his home damaged during a recent thunderstorm. Lightning…