Homeowners Policy (HO)Pregunta 299 de 474
Under an open-perils dwelling form, the burden of proof at claim time works this way:
a.the insured must name the peril that caused it
b.the insurer must point to an exclusion to deny
c.the insured must show the peril is on a list
d.the insurer may deny it without citing the policy
Explicación
Open perils covers direct physical loss unless the cause is excluded, so the insured shows a loss occurred and the burden shifts to the insurer to identify the exclusion it relies on. The answer that makes the insured prove the peril is on a list states the named-perils rule, which is how contents are handled on an HO-3.
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Preguntas relacionadas de este tema
- Which Homeowners form covers both the dwelling and the personal property on an open-perils basis?
- On the HO-2 broad form, the dwelling and the personal property are insured:
- A covered dwelling loss under the HO-8 modified form is settled on the basis of:
- A home carries Coverage A of $280,000. A detached garage is destroyed and costs $34,000 to rebuild. On an unendorsed form, Coverage B pays at most:
- Which of these is insured under Coverage B rather than under Coverage A?
- A homeowner rents a detached backyard cottage to a stranger who runs a salon there. Under Coverage B the cottage is:
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