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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.
Question of whether insured vehicle is covered while being used in newspaper deliveries.
Increased Cost of Construction Coverage for Tenant's Improvements and Betterments March 7, 2016 We have an insured tenant presenting a claim under BP…
Purchase from Craigslist Is Not Replacement Cost January 27, 2016 We have a theft claim involving a 2005 ATV. Per the insured the ATV is used to service…
Recorded Statements and Transcripts February 29, 2016 We recently had a homeowners claim wherein the insurance company requested a recorded statement…
Volunteer Fireman and PAP Coverage February 22, 2016 The insured is a volunteer fireman and has a personal auto policy. He leaves his home to respond…
Garbage from neighboring building blocks roof drain leading to water damage.
Freezing to Swimming Pool Water Lines February 8, 2016 Under the HO-3 policy, would freezing to plumbing lines run to an in ground swimming pool…
Falling Leaves do not Invoke Wind/Hail Deductible January 27, 2016 Insured has a roof with a deep valley that in the fall collected enough leaves to…
Fire Damage to Trees-Debris Removal or Additional Coverage for Trees January 27, 2016 I am working several large property claims from the Northern CA…
Total Loss Settlement is Valued Policy State January 27, 2016 This question is about when a dwelling with no coverage issues is deemed a total loss…