- Home
- Channels
- Resources
- Q&A
- Charts
- Forms
- Litigation Watch
- CE & Training
- Insurance News
- About Us
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.
Coverage for Auto Incident with Parked Car Under Homeowner’s and Auto Policy Our insured had a son that did not live at home. The son brought…
Foster Care and Homeowners Policy If a homeowner takes in mentally challenged individuals, both minor and adult, and receives money to help defer living…
Mortgagee's Claim Covered? We received a call from a mortgagee. The insured defaulted on the loan, and the mortgagee foreclosed on the home. When an…
Trees, Lawns, and Shrubs Our insured has a home insured on an HO 00 03 10 00 for $405,000. He suffered a fire loss, and consequently there was much…
Watercraft Liability Coverage for Homeowner's Friend? Our insured has a homeowners policy that is similar to the ISO HO 00 03. He has a boat with an…
Other Insurance and Personal Property at Secondary Residence Our insured had a total fire at his vacation home. The home is insured on a DP 00 01 (07…
Medical Payments Coverage Applies to Travel Expenses? Our insured turned in an auto accident claim recently and asked about medical payments coverage.…
Burned, But Not Dead, Trees Covered? We have an HO3 4-91 policy. The loss is a brush fire in the insured's yard. They had damage to trees, shrubs, and…
Property in Self-Storage Locker Q This question involves whether or not personal property in a self-storage unit is covered and to what extent. There…
Water as Personal Property Q We have a loss under an AAIS homeowners form ML-3. Our insured's well was contaminated with fuel oil. We all agree that…