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.

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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.


June 12, 2023

When the insured's property sustains a fire and the runoff damages a Koi pond, is there coverage?

June 05, 2023

How does policy language line up with state regulations concerning insurers ability to underwrite based on dog breeds?

May 29, 2023

When an insured has a UMPD claim, how does rental reimbursement get covered?

May 22, 2023

When an association policy is nonrenewed and the new policy is substantially more so that unit owners are assessed for the increase in premium, can they file a claim under their loss assessment coverage for the increase?

May 15, 2023

It's important to consider the what if's when selecting the proper coverages for an insured's operations, as is shown in this week's question about an insured who installs batteries in customers' vehicles.

May 08, 2023

When an insured has a triple net lease with the tenants, what coverage does the insured need on the property?

April 30, 2023

When a tree falls on a travel trailer, does coverage fall under the dwelling policy or the auto policy for damage to the trailer?

April 24, 2023

A vehicle is sent to an insured but it never arrives; is there coverage?

April 17, 2023

When an insured takes a vehicle off the policy, how long does she have to add a new vehicle for it to be considered a replacement vehicle?

April 10, 2023

How does the age of a structure affect a denial of coverage for "wear and tear"?