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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.
Replacement Cost Less Than ACV Our insured owned a building that was destroyed by fire. The building was insured on an ISO form CP 00 10 10 90. The…
Water Damage Claim to Interior of Building October 10, 2011 Insured alleges that during Hurricane Irene, contents sustained water damage due to roof…
Temperature Change Endorsement Allows Coverage for Loss of Inventory October 10, 2011 Our insured did not suffer direct physical damage from wind or…
Discusses business income coverage for unbilled hours of work during a suspension of operations from a covered peril.
Faulty Workmanship Exclusion Prevents Coverage for Property Loss October 10, 2011 Our client's landlord contracted roof repairs to be done on the…
Discusses coverage for lead and asbestos remediation.
A question of coverage when mold coverage is provided for seepage or leakage of not more than fourteen days.
Damage to Garage Door October 3, 2011 Our insured has a HO4 tenant form. He had opened the garage door and left the trunk lid of the van up because…
Coverage Territory under the BAP September 26, 2011 I have an insured that that will transport a vehicle from Puerto Rico to the mainland United States…
Discusses a claim situation where multiple occurrences are questioned.