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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.
Damage to Hotel Room on Business Trip—CGL or Homeowners? Our insured, vice-president of sales for a large company, has an HO 00 03. We also insure…
Damage to Common Areas under a Tenant Homeowners? Our insured, who rents one of three units in a landlord-occupied dwelling, has an AAIS tenant homeowners…
Discusses damage from falling rain as opposed to surface water on a dwelling policy.
Damage Caused by an Insured? A part-time residence employee, while edging a yard, flipped a stone up that broke the window of his own pickup. We think…
Collapse During Construction—Vehicle Peril as Cause of Collapse Our insured is building a new home and we're using a HO-3 as a form of builders…
Discusses coverage for collapse of 20 year old ceiling.
Are costs associated with dry cleaning and the rental of storage space covered by 1991 HO-3 policy?
Collapse coverage varies by form.
Contributory Coverage for Bodily Injury to an Insured? Our insured has a standard homeowners policy. Last fall he and his daughter, age six, were in…
Our claims department continues to struggle with coverage provided by the CP 00 17 10 00 for (specifically) carpeting, and also wallpaper and paint…