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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.
Cancellation of Policy Effective to Block Claim? A personal auto policy holder decides to withhold notice of a claim because he feels that an outstanding…
Fixtures and Additions as Building or Contents? Q I am involved in a loss where the landlord supplied movable partitions, which are hard wired into…
Inventory Valuation after Fire Loss Q Our insured suffered an inventory fire loss. We disagree with the insurer about how to calculate the actual…
Reporting Form Endorsement— No Penalty in Spite of Underreporting Q Our insured suffered a loss under ISO's building and personal property form…
Tree causes downed power lines and resulting low voltage, damaging property. Is this covered?
Discusses application of coverage when an other structure is damaged.
Discusses addition of slab in calculation of replacement cost of building.
This loss involves a condominium complex that has a standard ISO commercial property policy. Due to Hurricane Andrew in 1992, the insured's wood…
When a broken water pipe fills an elevator shaft with water, is there coverage?
When snow slides off the roof and damages spouting on the way down, is there coverage?