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Insurance Coverage Q&A: Multiple Losses During Policy Term

When a second loss occurs before damage from the first loss is fixed, can the insured still collect?

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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?

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