- 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.
Vehicle Peril—Motorcycle "Leathers" Covered Q Our homeowners insured was forced off the road by an oncoming auto while operating his motorcycle.…
Standard Time Definition Q We are having a debate in our office about whether the effective time of a homeowners policy is altered by daylight saving…
Ultra-Light Aircraft Q Recently our client's garage was destroyed by fire. An "ultra-light" aircraft, valued at $14,000 was also destroyed in the…
Vehicle as a Cause of Loss on HO-3 Q Our HO-3 insured has a riding lawn mower. One day, while mowing his yard, which slopes, the mower got out of…
Replacement of Home—How Is Amount Determined? Q We are in the process of adjusting a large fire loss under a homeowners policy (HO 3). The estimated…
Structures—What is "Attached?" Q We have a homeowners claim (HO 00 03 10 00) involving a garage that, except for the wall facing the dwelling,…
Scorching—Not a Named Peril Q We have a somewhat unusual loss. Our insured has an HO-3. He recently discovered his sofa appears to have been…
Sales Tax and Total Homeowners Loss Q We are an independent adjusting firm. We have been hired to handle a bad house fire. The home and the personal…
Named Insured does not Occupy Residence Premises—One Our agent placed a homeowners policy with our company. The named insured has never occupied…
Pollution Exclusion Applies to Cleanup of Corpse? June, 2002 We are adjusting a claim for the cost of cleaning up a corpse that had decayed within an…