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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 a windstorm causes a pole to break in half which then causes a fire, what's the proximate cause of the loss?
When leased solar panels need to be removed in order to repair the damaged roof, how does coverage apply?
What is occupancy in relation to the 60-day vacancy provision in the dwelling fire policy?
An insured loses power but manages to keep the business open, but there's a concurrent causation exclusion in the policy.
When an insured has a medical issue and bleeds in the house, is clean up covered?
When an employee is injured at work by a power line touching a vehicle, which coverage applies?
When an insured is displaced due to a loss, how much of vacation and other expenses are covered under ALE?
Time element coverage when vehicles damaged by hail.
When an employee is injured on the job site in a vehicle, can UM coverage apply as well as w/c?
When a fire causes water to keep leaking after a loss, is there coverage the increased water bill under ALE?