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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.
A question dealing with contracts, policy provisions and edition dates.
We are starting to see an influx of claims where the loss report states the plumbing backed up into the sinks, showers, and/or toilets. Some of these claims…
Who pays for coverage when a landlord's busted pipe damaged a tenant's property?
When the replacement windows don't match the undamaged windows, does the pair and set clause apply?
When tenants' property has to be moved and stored so the building can be repaired, is there coverage?
When property is kept in a storage unit, what coverages apply?
If an insured gives permission for their car to be rented out, is there coverage?
When the title lists a father/daughter in separate households, how does liability coverage apply from the father's policy?
When a second loss occurs before damage from the first loss is fixed, can the insured still collect?
Does water from a water main break fall into the exclusion for water under the surface?