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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.
Intentional Acts and Unintentional Results August 18, 2011 I am handling a homeowners liability claim under the HO5 policy. Our insured was conducting…
Power Failure or Wear and Tear? August 18, 2011 The insured carries an HO 00 03 (4/91). A light fixture in the insured's living room began to spark…
Occurrence Requires an Accident August 18, 2011 Our insured has a HO 00 03 04 91 policy. A liability claim has been presented against the policy. A…
Roof replacement and matching.
Actual Cash Value, Replacement Cost, and Property Coverage Forms A contractor is insured under a CP 00 10 04 02, which covers his premises and contents.…
Does UM Coverage Apply to Pedestrian's Injuries? Under the uninsured motorists coverage of the personal auto policy, a family member is an insured.…
Questions if the monthly limit of indemnity on the business income coverage form also applies to the utility services - time element endorsement.
Discusses if business income insurance is available to a nonprofit organization.
Discusses whether business income coverage applies to suspension of operations due to snow accumulations on access roads.
Discusses loss of business income and time to be restored to normal income level.