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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.
Are unlocked files considered personal and advertising injury?
When work by a subcontractor triggers ALE on the homeowner policy.
Collision Definition under Property Form March 4, 2013 We have a question regarding the following item in the CP 10 30 10 12: F Additional…
Wet Floor Versus Wet Rot This question is in regards to the ISO HO-3 policies, an edition after the 4/91. Often we have claims submitted where the…
Borrowed Boat February 12, 2013 Our insured has a MA Homeowner’s HO3 policy. Our insured had borrowed his friend’s boat. He…
Application of Pair or Set Clause in the Flood Policy February 12, 2013 If there is water damage to the lower cabinets but not to the…
An explanation of coverage under the DP 04 22 limited mold endorsement.
What is vacant land?
Broadened Personal Injury Protection Question February 18, 2013 Endorsement PP 05 01, named individuals—broadened personal injury protection coverage,…
Discusses costs to remove uninsured contents when repairing a damaged dwelling.