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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.
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…
Property in Transit Coverage on the BOP June 2, 2015 The insured was having a package shipped to them, and it was damaged in transit. The coverage extensions…
Covered Property under Businessowners Form June 2, 2015 My question is specific to the Businessowners form, BP 00 10 97. Under covered property, the…
In separately insured apartment buildings, this questions if the business income loss is reduced to the extent displaced tenants were moved to another building.
Denial Due to Lack of Maintenance June 1, 2015 An insured has an old heating system in need of repair. Each year he travels to Florida for a month.…
Diminution in Value under GKLL May 26, 2015 What is your opinion on diminution in value for a customer's auto involved in a garagekeepers covered loss?Does…
Damage to Trees and Removal of the Debris May 20, 2015 A tree felled by wind landed across a driveway. It did not damage the driveway, it just blocked…
Honey from Bee Hive Leaks into Dwelling May 20, 2015 Is there any coverage on an all risk policy for damages due to a bee hive leaking honey into the…
Appraisal and Mediation May 20, 2015 Our insured has a high valued homeowners policy, PHVH-998-LA(03/2011). My questions are relevant to the appraisal…