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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.
Utility Company Power Failure on Premises June 10, 2014 Reviewing a claim in which the electric company had a surge that damaged a power box…
Scheduled Limits and Value of Stolen Ring June 10, 2014 The insured had a ring stolen that was not specifically scheduled. Our policy has a special…
When and Insured’s Art Work Gets Damaged June 23, 2014 I have a question on a homeowner's claim. Some artwork painted by the insured got…
Secondary Loss June 10, 2014 An insured presented a claim 6 months ago for water damage to the living room/dining room floor. It was denied based…
Residence Next to Lake June 10, 2014 The insured premises abuts a lake. The homeowner's insured allowed another, nonresident, to use a personal…
Pressure on Roadway Damages Foundation June 10, 2014 The insured lives on a cul de sac and his dwelling's foundation is showing signs of cracks.…
June 17, 2014Our insured carries a commercial auto policy (garage policy). It has collision and comprehensive coverage. Our insured owns an open…
Warped Siding and Solar Energy June 10, 2014 A client of ours, who has an HO5 form, recently submitted a claim for the warping of their vinyl siding,…
Questions application of the blanket limit of insurance in a valued policy state.
Business License Claimed to Be Business Personal Property May 6, 2014 A policyholder owned a grandfathered business license, which…