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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 coverage for fair rental value or additional living expenses.
Are nonadmitted carriers subject to laws surrounding valued policies?
Can a carrier decline coverage due to incorrect information on a company application that was signed by the insured? How much weight does an application…
The benefits and disadvantages of the actual loss sustained coverage.
Coverage Territory under CGL Form December 12, 2016 Our insured sells machine parts. If for some reason a product that he sells ends up outside the…
Person Other Than Insured and Rental Car Accident December 5, 2016 The insured carries a personal auto policy. He has physical damage…
Questions the application of the coinsurance clause on actual cash value and replacement cost valuations.
Coverage question regarding vandalism and theft of appliances in foreclosed home.
Portable Electronic Equipment and Laptops November 15, 2016 Is a laptop computer that needs a converter or adapter to operate from a motor vehicle electrical…
Divorced Spouse on Deed but Not Insurance Policy November 15, 2016 The insured's policy is an HO3 with structure, contents, and loss of use coverage.…