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.
-
Insurance Coverage Q&A: A Retaining Wall and Water Accumulation
September 18, 2023 | Questions & Answers
Water behind a retaining wall causes it to collapse. Could the failure of drains to remove the water make this a water backup situation?
-
Insurance Coverage Q&A: Child Safety Seats - Are they Auto Equipment or Personal Property?
September 11, 2023 | Questions & Answers
Are child safety seats auto equipment or personal property?
-
Insurance Coverage Q&A: Water Backup and Loss of Income
September 04, 2023 | Questions & Answers
Is loss of income coverage affected when a water backup endorsement is attached to a policy?
-
Insurance Coverage Q&A: Detached Camper Top Damaged in Structure Fire
August 28, 2023 | Questions & Answers
When a detached camper top is damaged in a structure fire, how does the homeowners policy respond?
-
Insurance Coverage Q&A of the Week: Application of Deductible
August 21, 2023 | Questions & Answers
How deductibles apply when hail is the cause of loss.
-
Insurance Coverage Q&A: When You Ask for an Appraisal You have to Share the Results
August 14, 2023 | Questions & Answers
When the insured asks for appraisal on a claim, does he then have to share the appraisal with the insurer?
-
Insurance Coverage Q&A: Towing on the Business Auto Policy
August 07, 2023 | Questions & Answers
When a truck is damaged and needs to be towed from the scene of the accident, does towing coverage apply to a symbol 2 vehicle?
-
Insurance Coverage Q&A: The Wind, A Tree, and Efficient Proximate Cause
July 31, 2023 | Questions & Answers
When wind causes a tree to fall, is resultant water damage covered as a result of the wind damage?
-
Insurance Coverage Q&A: Wind Damage, Faulty Installation, and Ordinance or Law
July 24, 2023 | Questions & Answers
When wind damages property that was installed incorrectly and the local ordinances require undamaged property to be replaced, does the ordinance or law coverage apply?
-
Insurance Coverage Q&A: When the SWAT Team Arrives
July 17, 2023 | Questions & Answers
When the SWAT team arrives and discharges tear gas, does the discharge of the gas fit the definition of the smoke peril?
