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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.
Med Pay Coverage for a Go-Cart Accident? Our insured recently submitted a claim for injuries to their minor son. The son, age five, was operating a…
Collision Loss Includes Damage to Eyeglasses? Q We have a question about coverage under a personal auto policy. Our insured was driving home after…
Personal Property Covered Away from Residence Premises Q Our client's home is insured on an HO-3. He holds the mortgage on another house, where his…
Contract Cancellation Cause of Loss We have a client who ordered $20,000 worth of new kitchen cabinets before they had a fire. The cabinets were never…
Personal Liability Coverage for Negligent Misrepresentation? Q My insured was recently found negligent in circuit court for failing to disclose a…
Other Insurance Clause and Homeowners Coverage Q When two insurance companies provide property coverage in equal amounts on the same dwelling, can…
Personal Property Stolen From a Rental Dwelling Q Our insured has a DP 00 03 07 88 on a single family rental property. He keeps tools there so if…
Damage to Property of Others—Tree Falling on Neighbor's Property Q I am working on a claim that occurred during a severe winter storm in which…
Are carbon monoxide fumes in an apartment pollution?
Theft and Vacancy Exclusions Not Applicable to Newly Renovated Dwelling Q Our client owns rental property (a home), covered by a special form dwelling…