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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.
Loss of Natural Gas From Cracked Pipe Our homeowners customer recently discovered that the pipes carrying natural gas under his patio had broken down…
Care, Custody, or Control Exclusion and Dropped Trailer March 21, 2012 Our insured is a stevedoring business. While loading a trailer on a truck, the…
Fire Fighting Expenses as Property Damage March 21, 2012 Our insured accidentally started a forest fire that caused damage to a third party's forest/prairie.…
Residence Issue When Insured Travels for Business More Than He Is Home May 21, 2013 My client owns a house in Pinehurst, NC. The home is insured…
Water Overflow Coverage in a Tenant's Policy April 29, 2013 This loss involves a tenant's policy under an HO 4 policy form. The policyholder resides…
Insured Rents Hall for an Event May 3, 2013 My question pertains to the HO-3 ISO Homeowners form in regards to the liability portion of the policy.…
Patio as a Building May 3, 2013 We have an insured with an HO 00 03 10 00 policy. Heavy snow and ice buildup caused the roof of their patio cover to…
Insured’s Failure to Adhere to Policy Conditions April 29, 2013 Insured delayed providing the proof of loss to the carrier on a theft claim. Carrier…
Mowing the Neighbor's Yard May 14, 2012 If an insured uses his own motorized lawnmower or tractor to mow his neighbor's grass or plow his neighbor's…
Driveway as Other Structure May 3, 2013 Is a driveway considered covered property under the ISO HO 03 04 91? Our insured hired a contractor to do…