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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.
Depreciation Amount Withheld by Insurer We are public adjusters, and we have a commercial insured with a CP 00 10 04 02. The insured had a covered total…
Replacement Building Covered by Commercial Property Form? Q An insured whose building was heavily damaged by fire has found another suitable structure…
Duty to Defend in Murder Case Coveredby Commercial General Liability Form? Q We have a rather unusual situation and are unsure how to proceed. Our…
Other Insurance Clauseand Excess Coverage Q Our insured operates a computer repair shop, and regularly has the property of his customers in his care,…
Business Risk Doctrine and the CGL Form Q Our insured is a contractor and we have tried to explain to him the coverages and exclusions that appear…
Auto Accident Claims Covered by CGL Form? Our insured traded a vehicle that was part of their business to a dealer. Two years later, the employee of…
Auto Exclusion, the CGL Form, and Auto Repair This claim situation occurred when our insured, an auto repair shop, installed an incorrect oil filter…
Deductible - How to Apply Q We are a public adjusting firm. Our client is a hotel located on the Atlantic coast of North Carolina . The hotel is insured…
Water Damage and Boarded-Up Windows Q Our insured's building is covered by an ISO commercial property policy, CP 00 10 04 02, with the special causes…
Improvements and Betterments—Coverage Dependent on Term of Lease? Q Our insured had lightning damage occur to a central air conditioning unit…