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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.
Discusses the applicability of tenant relocation expense as a valid business income loss.
Extenuating Circumstances in Claim March 13, 2017 I have a homeowners claim in Maryland with Allstate insurance. It is Allstate's AP2 policy,…
Broken Wine Bottle March 6, 2017 Questions regarding coverage for a wine collection under the ho-3 and ho-5 forms. • What coverage would apply…
Tree Lands on Roof and Debris Removal February 27, 2017 On the HO 3 form, the policy provides $500.00 for tree debris removal per tree…
Sexual Molestation by a Masseuse February 20, 2017 The Insured is a Massage Center with a Commercial Package Policy, which includes Commercial General…
When Wrong Pesticide is Applied, No Exclusion Applies. February 13, 2017 Our insured is a pest control service. Their employee sprayed incorrect…
Debris Removal on a Dwelling Property 3 Form February 6, 2017 The Lloyds, London representative is telling me the debris removal extension on the DP3…
Discusses ensuing loss due to frost-heaves.
Zoning Changes won’t allow Original Structure to be Rebuilt January 23, 2017 I have a situation where we insure an apartment building, but due…
When there's a question of coverage, should a reservation of rights be issued?