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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.
Television Damaged by Rain September 25, 2017 We have a circumstance where a homeowner was throwing a backyard football party for some…
Flood Coverage September 18, 2017 On the ISO Flood Coverage Endorsement Form, CP 00 10 10 12, ​Does the…
Debris Removal of Trees September 8, 2017 After a windstorm passes through the Insured's premises, the covered property does not suffer any…
When to Add Youthful Drivers to Policy September 5, 2017 It has always been our understanding that youthful drivers with only a drivers permit were…
Business Personal Property—Newly Acquired August 28, 2017 Insured has a CP 00 01 (07/02) – No deductible An insured has a few buildings…
Discusses siding and whether it falls under pair and set settlement.
Coverage for Damage to Building with Non-Owned Auto August 11, 2017 Our insured was driving a non-owned auto. While driving the non-owned…
Discusses a sewer backup due to local flooding.
Sale of Contents of Wrong Storage Unit Care Custody or Control July 28, 2017 We have a self-storage facility insured under an unendorsed…
What happens when a tenant dies on the property.