The insured is arguing that her insurer should pay the full policy limit for stolen silverware. (Photo: iStock)

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: When the value of the property is different from what is listed on the policy schedule, and multiple loss settlement provisions may be in play, determining the amount owed to the insured can become very confusing. That is the case with this week's coverage question.

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