A Primer on Reading Your Insurance Policy
No, this isn’t a blog post about whether or not your insurance covers losses arising out of COVID-19. That’s a question that is dependent on the particular language of your policy and even then, there can be a certain amount of grey arising from the application of existing law to new circumstances, of which COVID-19 and its associated consequences are one. We may not even know the answer in any given case until after we have the benefit of some judicial decisions to guide us. So if you have a serious question about COVID-19, you need to be speaking directly with your lawyer to evaluate your specific situation.
But if, in contrast, you’ve been prompted by COVID-19 (or anything else) to pull out your insurance documents and just have a look, if you are a homeowner, or a business owner, or perhaps even a lawyer who doesn’t normally work with insurance documents, you might be wondering just what the *!? you are looking at. This blog post is for you.