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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.
Discusses coverage for separate buildings that are one residence.
Discusses payment of debris removal before loss is settled.
Difference between surface water and water backup from sewers and drains is questioned.
Discussion of care, custody or control exclusion when only part of property is in care, custody or control.
Discusses timing of loss assessment claim and policy period and date of loss.
When a patient's chemotherapy waste affects the septic tank, is there coverage?
Questions if damage from deer is excluded due to the insects, birds, rodents or other animals exclusion.
Discusses whether the property deductible applies to vandalism of building glass breakage if there is no separate glass deductible shown in the Declarations.
Questions if business income and extra expense coverage is available following insured's computer crash.
Discusses a business income loss when insured does not resume operations.