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: Multiple Losses During Policy Term
February 06, 2023 | Questions & Answers
When a second loss occurs before damage from the first loss is fixed, can the insured still collect?
-
Insurance Coverage Q&A: Water Main Under the Slab
January 30, 2023 | Questions & Answers
Does water from a water main break fall into the exclusion for water under the surface?
-
Insurance Coverage Q&A: Lightning, Well Pumps and Exclusions
January 23, 2023 | Questions & Answers
When a well pump is hit by lighting but well pumps are excluded, could there be coverage since lightning is a covered peril?
-
Insurance Coverage Q&A: A Question of Coverages
January 16, 2023 | Questions & Answers
When the policy documents contain a list of forms an endorsement may apply to, what does that mean in terms of coverages available?
-
Insurance Coverage Q&A: When You Clean Up Someone Else's Mess
January 09, 2023 | Questions & Answers
When an insured cleans up a spill he didn't cause and a claim is made, is there any coverage?
-
Insurance Coverage Q&A of the Week: Attachment to Dwelling and Other Structures
January 02, 2023 | Questions & Answers
Is a building attached to the dwelling by a power line part of Coverage A or Coverage B?
-
Frozen Pipes and Other Winter Hazards
December 26, 2022 | Discussion|Questions & Answers
Articles related to snow, ice, freezing temperatures and related coverage issues.
-
Editors Favorite Q&A from 2022
December 26, 2022 | Questions & Answers
Editors favorite coverage questions from 2022 including bears, bull semen, motorized surfboards and arson.
-
Insurance Coverage Q&A: Theft of Funds from Point of Sale
December 19, 2022 | Questions & Answers
When the point-of-sale company for a business suffers a loss, does the insured's policy provide coverage for the stolen funds?
-
Insurance Coverage Q&A: Coverage for Property in a Rented Condo
December 12, 2022 | Questions & Answers
When an insured rents out his condo and the appliances are stolen, does coverage apply?
