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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.
16 Acres of Wrong Crop Removed January 20, 2014 Our policyholder removed a crop of fruit bearing trees (16 acres of jujube) on the claimant’s…
May a land owner request loss of rental income coverage for a building owned by someone else?
When a damaged building is not going to be repaired, is depreciation considered a recurring expense?
Fluids Damage Assisted Living Facility January 7, 2014 Our insured had a HO 4 policy (04/91) policy. Our insured is a tenant at an assisted living facility.…
Vehicle Stolen from Valet Parking Service December 30, 2013 Our insured is an upscale restaurant that provides a valet parking service for customers.…
BOP Coverage for Unfinished Hardwood Flooring Planks January 2, 2014 I am an adjuster working on a large commercial apartment building…
Explains the application of the coinsurance penalty on a blanket policy.
Water as Property Not Covered January 2, 2014 We are a firm working for an insurer and handling a commercial property water loss occurring from…
Discusses extra expense when the expense is created due to insured's caution and fear of second loss, not actual damage or suspension of business.
Piano Consigned for Sale Is Stolen December 16, 2013 We have an insured that has a piano. Several years ago he contracted with a piano dealer to sell…