Exam DISC-RM Practice Question 247
Study guide: Exam DISC-RM
An adjuster is applying the framework for coverage analysis to a commercial property claim. The loss fits the insuring agreement, the conditions were met, and an exclusion in the causes-of-loss form appears to apply, but the exclusion contains an exception for an ensuing loss by fire, which is what damaged the property. What should the adjuster conclude?
- A) The loss is excluded, because an exclusion was found after the insuring agreement
- B) The loss is excluded unless an endorsement adds the coverage back
- C) The claim must be denied in writing and then reconsidered on appeal
- D) The exception restores coverage, so the analysis moves on to the amount payable
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