Are losses included on a declarations page covered?

Coverage Q&A: What's the difference between what's indicated on the declarations page versus what a policy actually covers?

What’s the difference between a declarations page versus the actual policy? (Photo: Shutterstock)

Every claim is different, and some insurance policies can be difficult to interpret for unique situations. FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry, makes it simple to find credible answers to your complicated coverage questions. Analysis brought to you by our FC&S experts. 

Editor’s Note: This week’s question looks at the confusion policyholders face when evaluating what’s indicated on the declarations page and what a policy actually covers.

Question: Our insured suffered water damage when the kitchen garbage disposal broke and water-saturated the cabinets. A water restoration company was called that said the cabinets will need to be replaced.

The insured has an HO1 policy that says water damage is covered in the declarations page, but the insurer’s adjuster says water damage is not covered by the policy. 

— Ohio Subscriber 

Analysis: The declaration page contains a lot of information about a policy, such as the name of the insured, coverage amount, and general coverages. But it does not provide detailed coverage information. When a declaration page says something is included in the policy, it does not guarantee that every loss is covered. The policy still must be reviewed in order to know what the coverages or exclusions are.

Answer: To learn the answer to this week’s coverage Q&A, please log into your FC&S Expert Coverage Interpretation account.

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