Thank you for sharing!

Your article was successfully shared with the contacts you provided.

We have an insured who suffered fire losses to the same location during a 5-month span. The first loss is a total loss with roughly a million-dollar limit. The second loss, which was to the area of the building not completely damaged prior, is also a total loss. When I say total loss, the building limits would be exhausted on both claims. It appears that they were severely underinsured. The repairs on the first claim had not begun and they have not informed the insurer of their intention to repair. Can the insured collect policy limits twice, even though the first loss will reach limits and no repairs had been made prior to the second claim?

This premium content is locked for
FC&S Expert Coverage Interpretation subscribers.

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis

Already have an account?
For enterprise-wide or corporate access, please contact our Sales Department at 1-800-543-0874 or email [email protected].

FC&S Editors


Get Answers Directly From the FC&S Experts

Submit your coverage interpretation question to the editors of FC&S for quick and reliable information.

Question of the Week

Insurance Coverage Q&A: Firefighting Expenses and Coverage ›

When an insured and tenants help fight the fire, is there coverage for their efforts?

Question of the Week Archive ›

Copyright © 2024 ALM Global, LLC. All Rights Reserved.