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: Nonrenewal of Association Policy and Loss Assessment
May 22, 2023 | Questions & Answers
When an association policy is nonrenewed and the new policy is substantially more so that unit owners are assessed for the increase in premium, can they file a claim under their loss assessment coverage for the increase?
-
Insurance Coverage Q&A: That Oops Could Cost You
May 15, 2023 | Questions & Answers
It's important to consider the what if's when selecting the proper coverages for an insured's operations, as is shown in this week's question about an insured who installs batteries in customers' vehicles.
-
Insurance Coverage Q&A: Triple Net Lease and Coverage
May 08, 2023 | Questions & Answers
When an insured has a triple net lease with the tenants, what coverage does the insured need on the property?
-
Insurance Coverage Q&A: Tree versus Travel Trailer
April 30, 2023 | Questions & Answers
When a tree falls on a travel trailer, does coverage fall under the dwelling policy or the auto policy for damage to the trailer?
-
Insurance Coverage Q&A: When the Vehicle Never Arrives
April 24, 2023 | Questions & Answers
A vehicle is sent to an insured but it never arrives; is there coverage?
-
Insurance Coverage Q&A: When is a Vehicle a Replacement Instead of an Addition?
April 17, 2023 | Questions & Answers
When an insured takes a vehicle off the policy, how long does she have to add a new vehicle for it to be considered a replacement vehicle?
-
Insurance Coverage Q&A: Hidden Wear and Tear
April 10, 2023 | Questions & Answers
How does the age of a structure affect a denial of coverage for "wear and tear"?
-
Insurance Coverage Q&A: Policy Provisions and Edition Dates
April 03, 2023 | Questions & Answers
A question dealing with contracts, policy provisions and edition dates.
-
Insurance Coverage Q&A: Backups, Overflows, Sewers and Drains
March 27, 2023 | Questions & Answers
We are starting to see an influx of claims where the loss report states the plumbing backed up into the sinks, showers, and/or toilets. Some of these claims…
-
Insurance Coverage Q&A: Landlord's Pipe Damages Tenant's Property- Who Pays?
March 20, 2023 | Questions & Answers
Who pays for coverage when a landlord's busted pipe damaged a tenant's property?
