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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.
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.
Discusses what is covered under ALE when other limits have been exhausted.
Smoke as a Pollutant June 26, 2017 I had a recent claim that was denied by Travelers as they are deeming smoke from a fire as a pollutant.…
Are Spare Auto Parts Covered on the Homeowners Policy July 10, 2017 State Farm is denying coverage on extra Auto Parts. They were in a…