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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.
Discusses the liabiity of a landowner when tenant's TV is damaged by a short in the circuit breaker.
Loss Assessment for New Roof? We have recently had a claim denied that has proven both disturbing and confusing, not only to us but to other agencies…
Leased Hunting Land—How to Insure? Our question concerns a group of people who individually lease acreage for hunting purposes on a seasonal…
Discusses damage from an ice dam to the interior of the home.
Collapse Coverage under a Mobile Home Policy Our client has a mobile home covered by an AAIS form ML-3. Part of the roof hangs over the front of the…
Carport a Canopy? Insured made claim under an AAIS form 2 for "weight of ice and snow" damage to a carport attached to the end of the dwelling. The…
Collapse Coverage under Homeowners Policy Our insured bought a seasonal residence in Michigan. We insured it on an HO 00 03 10 00. Last winter brought…
Collapse Coverage under an HO-3 Our insured has an HO-3. Our question concerns coverage for wet rot damage that has led to a sagging roof. The support…
Business Exposures Endorsement—Off-Premises We have a question about the use of homeowners endorsement HO 04 02 10 00 (permitted incidental occupancies…
Business Exposures Endorsement—Off-Premises We have a question about the use of homeowners endorsement HO 04 02 10 00 (permitted incidental occupancies…