Property Insurance FundamentalsQuestion 224 of 474
Under a named-perils property form, who carries the burden of proof when a claim is filed?
a.The insured proves no exclusion applies to it
b.The insurer proves an exclusion bars the claim
c.The insured proves the cause is a listed peril
d.The insurer proves the cause is a listed peril
Explanation
A named-perils form covers only the causes of loss it lists, so the insured carries the burden of showing the damage came from one of them. The answer that puts the exclusion burden on the insurer states the open-perils rule, which is the reverse arrangement. Making the insurer prove a listed peril would turn a named-perils form into open-perils coverage.
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