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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.
Employee or Independent Contractor? In California, the Burden of Proof is now on the Employer May 14, 2018 On Monday April 30th, 2018, the…
Debris Removal, Demolition and Resulting Hole The insured suffered a total loss to their residence. The insurance company has agreed to cover the cost…
Debris Removal—Volunteer Expense The insured sustained a total loss on his dwelling covered under an AAIS homeowners policy. The insurance company…
Collectibles as Business Property A claim has been presented to us for payment resulting from a loss of antiques and collectibles due to a fire at an…
Collapse of RetainingWall Causing Damage Our insured has a homeowners policy with form HO-3. Recently, hydrostatic pressure caused a retaining wall…
Deductible(s)—Damage by Wind and Lightning Our insured, on an HO 00 03 10 00, had his home damaged during a recent thunderstorm. Lightning…
Debris Removal Part of ACV Loss? There was a fire loss to the insured’s home. I have reached agreements for the coverage A (building) portion…
Definition of Insured Bar to Coverage on HO We have had a claim denied under a homeowners policy and would like your help in explaining the denial…
Dwelling Under Construction—Liability Coverage Our insured is a homeowner who is acting as his own general contractor in building his new home.…
Duplicate Contents Coverage I am handling a case on behalf of an insurance company. Coverage C of their homeowners policy is at issue in this bad faith…