Property Insurance FundamentalsPregunta 225 de 474
On an open-perils form, once the insured shows that direct physical loss occurred, the insurer must:
a.Show an exclusion applies to deny the claim
b.Show the insured could have prevented it
c.Show the peril appears on a listed schedule
d.Show the loss exceeds the deductible amount
Explicación
Open-perils forms cover any direct physical loss unless it is excluded, so after the insured establishes that fortuitous damage happened, the burden moves to the insurer to point at an exclusion. Requiring a listed peril describes named-perils coverage. Preventability and the size of the deductible are separate questions and do not decide whether the loss falls inside the insuring agreement.
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