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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.
Sold Vehicle Still a Covered Auto January 27, 2014 Our policyholder sold his vehicle to a private owner and never notified the insurer so the vehicle…
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.