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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.
Increased Water Bill and Commercial Property Policy April 17, 2017 Our insured recently got a water bill that was thousands of dollars. When he called…
Claim Investigation Expenses—Whose Responsibility? A question has been raised as to who is responsible for the expenses associated with a claim…
Are appraisers required to be impartial?
Is fire covered under a windstorm policy?
Employee Theft and Direct or Indirect Loss April 10, 2017 On a proven employee theft where the employee bookkeeper entered fraudulent…
Discusses paying relatives when insureds stay with them after a loss.
March 27, 2017 On a proven employee theft where the employee bookkeeper entered fraudulent payroll or commissions which the employer paid until…
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…