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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.
Injury Caused by Insured’s Horse August 20, 2018 We insure a homeowner under a standard HO 03 04/91 policy. The insured's household member daughter…
Is manipulation of contents part of the repair when the contents are not insured?
Replacement Cost Options June 12, 2018 I'm working with an attorney on a fire claim and the policyholder has a commercial policy in place, the building…
Appliances and Coverage July 30, 2018 The settlement language in our policy reads: .... Carpeting, built-in or permanently installed…
Air Conditioners – Additions and Alterations or Not? July 23, 2018 I need to clarify the following. In a personal property policy, the air conditioners…
Is a Towed Vehicle Covered? July 16, 2018 I have a coverage question related to a personal auto policy. The insured was driving…
Hot Tub and Malfunctioning Pump July 9, 2018 We have a client who has an HO3 policy ---- form HO 00 03 04 91 -- Unknown to the insured the hot tub had…
Discusses ALE expenses once insured has permanently relocated.
Under Homeowners form, questions if decaying racoon is a rodent for purpose of coverage determination.
Algae Growth and Fungi June 18, 2018 I know of the exclusions for mold, rot, deterioration, etc. However, I do not think that is what this is. I was…