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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.
Algae as a Contaminant under CGL Form March 10, 2016 We have a claim with a company that provides swimming pool maintenance as well as lifeguards. The…
Additional Insured Status for Manufacturer Questioned March 10, 2016 We have been using the Additional Insured Vendors Endorsement in the following…
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…