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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.
Failure to Maintain Heat May 9, 2016 The insured has a secondary home with oil heat. The electricity was on and the heat was set at 55 degrees. During…
Detachable Trailer May 9, 2016 Under the Property Not Covered section, the DP 00 01 12 02 states the following: e. Motor vehicles or all other motorized…
Is time spent sorting property returned to the home covered under ALE?
Valued Policy and Application of Deductible May 9, 2016 We are hoping you can solve an internal disagreement about the deductible application on…
Discusses coverage for carpet and other property within an other structure; does ACV or RCV apply?
Can med-pay apply when the additional insured is injured on the property?
Towing and Labor Costs April 25, 2016 Our insured locked his keys in his car and had to have a locksmith open his door. Would the cost of the locksmith…
April 18, 2016 We are working on a commercial claim insured under a BP 00 03 with a protective safeguards endorsement, BP 04 30. The endorsement and…
Plumbing Leak under Driveway April 11, 2016 This question involves a DWG 3 ISO policy. A toilet overflowed and caused interior damage. The plumber ran…
How does liability for a storage unit under a BOP work?