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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.
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…
Additional living expenses and vacation property, what is covered when it's not the main dwelling?
Coverage for Airbag Deployment February 1, 2016 If airbags deploy because of hitting a pothole, is there coverage under a standard personal auto policy?…
Installation Floater or Builders Risk? January 25, 2016 My question concerns a coverage dispute as to when coverage on an ISO installation floater ceases.…
Claim Made Years after Death of Insured January 18, 2016 I am handling a claim for a daughter who lost her mother multiple years ago. The daughter informed…
Lightning and utility services exclusion.
PAP Exclusions January 11, 2016 We have an insured with a PP 00 01 personal auto policy who rented his 99 Dodge Ram truck to a construction company…
Theft of Property in Transit January 4, 2016 Our insured's executive director had the company's laptop computer and iPad, and they were stolen from…
Example of Concurrent Causation January 4, 2016 The introductory language to the section B.1 exclusion on the ISO special causes of loss form states,…