An insurance matter is assessed through the policy wording, statutory rules, the insured event, notice, evidence of loss and the insurer’s response.
Policy and cover
The insured interest, period, limits, deductibles, endorsements and exclusions should be read as a whole.
Notification and cooperation
Timely notice, preservation of evidence and reasonable cooperation with the loss assessment may be relevant.
Loss calculation
The method of valuation, depreciation, underinsurance, contribution and policy limits can affect the amount in dispute.
Review and proceedings
Internal review, arbitration where applicable, mediation and court proceedings may require different submissions.
This is general information. The applicable rules and time limits depend on the circumstances of each case.