In a Named Peril policy, who is responsible for proving that a loss is covered?

In a Named Peril policy, the insured is responsible for proving that a loss is covered under the terms of their policy. This type of insurance only covers specific risks or perils that are explicitly named in the policy document. Therefore, if a loss occurs, it is the duty of the insured to demonstrate that the loss corresponds with one of the named perils in their policy.

This means presenting evidence or documentation that identifies the cause of the loss and connects it to those specific perils covered. For instance, if a homeowner has a Named Peril policy that covers fire and theft but not flood, and they experience damage from a flood, they must show evidence that their loss resulted from a covered peril to potentially receive any benefits from the insurance.

The responsibilities of the insurer, agent, and claims adjuster differ significantly in this context. The insurer is obligated to honor claims that fall under covered perils once proven, agents typically assist in explaining the coverage features but do