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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.
When a well pump is hit by lighting but well pumps are excluded, could there be coverage since lightning is a covered peril?
When the policy documents contain a list of forms an endorsement may apply to, what does that mean in terms of coverages available?
When an insured cleans up a spill he didn't cause and a claim is made, is there any coverage?
Is a building attached to the dwelling by a power line part of Coverage A or Coverage B?
Articles related to snow, ice, freezing temperatures and related coverage issues.
Editors favorite coverage questions from 2022 including bears, bull semen, motorized surfboards and arson.
When the point-of-sale company for a business suffers a loss, does the insured's policy provide coverage for the stolen funds?
When an insured rents out his condo and the appliances are stolen, does coverage apply?
A tree house is damaged in a fire, along with several other insured buildings. However, the tree house was not listed on the property declarations, and the subscriber asks if it is covered as an outdoor fixture on form CP 00 99.
How is the hurricane deductible applied when there is damage to both the dwelling and personal property?