Fundamentos de Seguro de PropiedadPregunta 256 de 531
Under a named-perils property policy, the burden of proving that a loss was caused by a covered peril rests with:
a.The insurer
b.The insured
c.The state regulator
d.An independent adjuster only
Explicación
Under a named-perils (specified perils) form, only perils listed in the policy are covered, so the insured must prove the loss was caused by one of those named perils. Under an open-perils (all-risk) form, coverage applies to any cause of loss not excluded, so the burden shifts to the insurer to prove an exclusion applies. This distinction is a core property concept and does not vary by state.
Practica las 531 preguntas gratis — sin registro.
Own the complete California Property & Casualty Broker-Agent guide — PDF + EPUB, $24.99 →
Preguntas relacionadas de este tema
- ¿Qué afirmación distingue MEJOR una cláusula de liquidación de pérdidas que paga sobre la base del valor real en efectivo (ACV) de una que paga sobre la base del costo de reemplazo (RC)?
- Actual cash value (ACV) is most accurately calculated as:
- A commercial building is insured under a policy with an 80% coinsurance clause. The building's replacement cost is $500,000, but it is insured for only $300,000. After a $100,000 covered loss, how much will the insurer pay before any deductible?
- The purpose of a deductible in a property policy is to:
- The clause that determines how a loss is shared when two or more policies cover the same property is the:
- A commercial flat roof would cost $48,000 to replace today. It has a 20-year expected life, it was 15 years old when a covered windstorm destroyed it, and the policy settles building losses on an actual cash value basis with no deductible. What does the insurer pay?
Última revisión: · proceso editorial
Equipo de PrepPass · Verificado con California Property & Casualty Insurance License Exam · Cómo revisamos