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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.
Damage to Air Conditioner Caused by Power Surge October 11, 2010 We have a coverage question under our HO3 policy. The insured's AC unit condenser was…
October 13, 2010 Breaking In and Exiting Damage Covered; Other Theft-Related Damage Not Covered Our insured suffered a theft of copper piping and water…
October 13, 2010 Swimming Pool Not Described on Dec Page Not Covered I am trying to determine if a swimming pool is covered under a CP 00 10 06 07 if…
Undamaged retaining wall and loss to rest of building.
October 13, 2010 Water Damage Claim Excluded by Wear and Tear Exclusion This question concerns coverage on a BP 00 02 12 99. It is a typical water damage…
Application of ordinance or law endorsement when policy is replacement cost.
Tree Limb Fall due to Wind or Other Cause? We provide Homeowner's coverage to our insured under AAIS Form 3 Ed 2.0. The Dec Page indicates the deductible…
A question of coverage for mold damage caused by undiscovered water damage in vacant home following insured's death.
Duties of Insured under Farm Policy I have an insured who has a block retaining wall that runs along his drive up to his house; the wall is 6 years…
BAP Coverage for Portable Radio Station at Issue October 4, 2010 Our insured operates a portable radio station out of his van, which is insured with…