In the January 2006 edition of Claims Queue we asked you to provide some answers to the kind of claim questions we get at FC&S. Some of you accepted the challenge and stepped up to the chalkboard. In this installment, we'll get to your answers.

One Break-In, Two Losses

The scene here is that a public adjuster working a theft claim would like a break-in and theft followed by a fire set to conceal the theft to be viewed as two occurrences ("this is important because policy limits are reinstated after each loss") so there is a reinstated limit available in case limits are exhausted.

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