Explaining the circumstances in an examination under oath promptly after the loss.
Providing an inventory of the damaged property.
Repairing or replacing the damaged property before the adjuster arrives.
Maintaining coverage during the claim settlement process.
Most property policies automatically extend coverage to losses occurring within 60 days following policy expiration.<br />
The failure of electrical components of a refrigerator caused by a lightning strike is an example of indirect loss.<br />
Real and personal property might be valued differently have different limits of insurance and different coinsurance requirements under the same policy.
Policy provisions about what property is covered where it is covered and when it is covered are a common area of disagreement between insurers and insureds.
What property is insured under the policy?
What causes of loss does the policy protect?
Who has an insurable interest in the damaged property?
What is the dollar amount of the loss?
Give an examination under oath for every loss.
Notify the police in case of loss by theft.
Give written notice of the loss.
Hire a public adjuster to assist with a claim.<br />
Actual cash value
Fair market value
Tenancy by entirety
Ownership in common
Ordinance or law
Loss payee<br />
Negligent property destruction
Losses caused by faulty design are covered causes of loss in most property policies.
If property has suffered a gradual loss any further losses to that property are excluded.<br />
Intentionally set fires are arson whether committed by the insured or not.
Additional costs to rebuild or demolish a structure due to local ordinances are generally covered under a property policy.
Third party claims.
Applying detailed policy provisions to specific situations.<br />
The insured's legal responsibility to others in specific situations.<br />
Courts generally allow insurers to deny coverage for losses if they are not reported to the insurer within 48 hours of their occurrence.<br />
Insurers require prompt notice of claims because adjusters can't properly investigate losses after too much time has passed.
In the case of claims involving criminal acts insurers must report the events to police within 24 hours of receiving notice.
Policyholders are required to submit written notice of losses to insurers using the form specified in the policy wording.
The owner's intent is not a factor in distinguishing real and personal property.<br />
Personal property is land and everything attached to it; all else is real property.
Personal property is considered part of the building and is easy to describe and identify. <br />
Fixtures are personal property that have become attached to and part of real property.
Under the broad evidence rule some courts have provided a formula for calculating ACV.<br />
ACV does not apply to items such as collectibles antiques or art that are known to appreciate in value over time.
In some jurisdictions courts have defined ACV as being equivalent to fair market value less depreciation.<br />
Adjusters often rely on published guides to determine depreciation and individual insurers create such guides based on their experience.
너는 정확하게 대답했다.
당신이 잘못 대답했습니다.
너는 시간이 없어.
점수 또는 평점을 저장하려면 로그인하거나 등록해야합니다.
텍스트에 적합한 오디오 언어를 설정하십시오.
단어를 강조 표시하여 학습을 향상시킵니다.
로그인 할 필요없이 퀴즈, 코스 및 플래시 카드를 재생할 수 있습니다. 그러나 점수를 저장하고 퀴즈, 코스 및 플래시 카드를 만들려면 로그인해야합니다. 오디오를 재생하려면 전문 계정에 로그인해야합니다.
학습을 한 차원 높여보십시오. 프로페셔널 계정으로 업그레이드하면 질문을 큰소리로 듣고 다른 많은 혜택을 누릴 수 있습니다.
귀하가 작성한 질문이나 답변에 대한 오디오가 생성됩니다.
많은 사람들이 그들이 배운 것을 듣고 더 잘 배웁니다. 외국어 학습을 위해 우리는 18 개 이상의 언어를 지원했습니다.
지원 언어로는 덴마크어, 네덜란드어, 영어, 프랑스어, 독일어, 아이슬란드 어, 이탈리아어, 일본어, 한국어, 노르웨이어, 폴란드어, 포르투갈어, 루마니아어, 러시아어, 스페인어, 스웨덴어, 터키어, 웨일스 어 등이 있습니다.
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