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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.
"Foundations" as Property Not Covered Under "property not covered," the commercial property policy (CP 00 10 04 02) reads, "foundations of buildings,…
Mechanical Breakdown and Wear and Tear Exclusion—Not Applicable We insure a commercial building and its business personal property on the commercial…
Water Tower as Covered Property under Commercial Property Form Our insured had an extensive fire at his hotel. On top of the hotel was a non-functional…
Pollutant Clean Up—Coverage for Testing and Removing Mysterious Barrels of Waste Our question concerns coverage under form CP 00 10 04 02, which…
Discusses if restocking a store after a loss is covered extra expense.
Flood Damage to Vehicle Parts in House June 22, 2015 Our insured recently sustained a flood loss to their home. Prior to the flood, the insured had…
Mortgagee Clause and Misrepresentation of Insured February 12, 2013 If an HO-2 Policy in Tennessee has been rescinded due to misrepresentation…
Personal and Advertising Injury Liability Question June 15, 2015 Our insured hired a construction company to construct a building. They agreed upon…
Does flooding of neighboring property activate flood insurance?
Defective Design and Roof Collapse June 2, 2015 The insured suffered a casualty loss when heavy accumulations of snow on the roof of its premises caused…