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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.
Clean-up Coverage HO-6 condo policy - our insured rented the unit to a couple they were acquainted with - and on 11/27/07 the wife shot herself in the…
Water Damage to Personal Property Q We insure the tenant of a house under an HO 00 04 05 01, with broad form named perils on his personal property.…
Money or Business Property Limits at Issue Our homeowners insured maintains ATM machines. He recently made a substantial withdrawal at his bank and…
Water Damage From Collapsed Swimming Pool Q Our client is insured by a homeowners policy form HO-3. Their above-ground swimming pool collapsed due…
Theft of Phone Time—Insured Loss? Q We have had a somewhat unusual claim presented to us. The insured has an HO 03. She had to go out of town…
Other Insurance and Loss Settlement on Homeowners Policies Q We are unsure how to settle a claim where two homeowners policies apply, and would like…
Medical Payments Coverage for Guest on Tenant Homeowners Policy Q Our insured has a tenant homeowners policy. His mother was visiting him, and, while…
Restoration of Land Q Our homeowners insured has a special endorsement to his policy that provides some coverage for restoration of land after a covered…
Rented Chairs and TablesCovered Under Homeowners Policy? Q Our insured is considering renting chairs and tables for a social event. We would like…
Ice Fishing Hut a Trailer? We have several clients in our agency who ice-fish during the winter, and have fishing huts which they store on their property…