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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.
The named insured made a claim for a stolen snow blower. Her policy provides coverage for loss by named perils for personal property only. By endorsement…
Insured seeks coverage for frozen pipe water damage when tenant did not pay the water bill.
Solar panels are becoming more popular. We had a homeowners claim denied when solar panels collapsed due to weight of ice and snow. The panels were…
Questions a specific temperature to meet the requirement to maintain heat in a commercial building.
Damage to Neighbor’s Residence Caused by Insured’s Teenager May 11, 2015 Facts: Our named insured set up a tarp in his backyard so his fifteen-year-old…
Athletic or Sports Participants Exclusion May 4, 2015 My question concerns endorsement CG 21 01, the exclusion for athletic or sports participants.…
Discusses if there is a loss of business income when dentist abandons practice after a fire loss.
Coinsurance on Other Structures April 20, 2015 I have a loss to other structures on the homeowners policy. Is coverage and coinsurance determined…
Road Damage to Tires Exclusion April 13, 2015 Our insured slid on wet pavement and struck a curb. As a result, the tire was the only part damaged. Does…
Real Property and the Your Product Exclusion April 13, 2015 Our insured was hired to perform construction work for a customer, and as part of the work…