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A Public Adjuster Asks: Are Claims for Illegal Goods Eligible for Payment?

Many policies preclude payment for claims involving "black market" items. So who's accountable for proving the legitimacy of objectsthe insured or the carrier?

By Tom Kirkpatrick | Updated on September 26, 2013

After this article appeared in the April, 2013 issue of Claims, I received an email from a public adjuster who asked the following question:

“Hi Tom. I read your article about Cuban cigars in Claims Magazine today. I’m curious why you state that ‘the insured would need to possess indisputable documentation’. The policy covers all the insured’s personal property. I think the burden of proving that any property is excluded rests with the carrier. Can you provide the policy language that supports your position?”

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