Application Of Single Article Limit In Home Insurance

One of my major duties as a loss adjuster and claims expert is interpreting and applying the strict wordings of an insurance policy to a claim situation.

To put it bluntly, I am probably the reason your claim was honored, or turned down (insert sad face). And all I did was to bring to the limelight the intentions of your insurance policy in relation to your loss situation by explaining and expanding on the terms and conditions stated therein irrespective of your feelings. Ouch! That hurts right?

 One of such policy conditions you need to be mindful of in your home insurance policy is the Single Article Limit (SAL).

If your insurance company ever told you they wouldn’t pay you a certain amount you felt entitled to, having included the value of the object in your household contents, it is probably due to the application of the SAL clause.

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Flood damage is a standard exclusion in a Motor Insurance Policy.

Meaning that your motor insurance cover is not likely to have damages caused by flood as one of the items it would provide compensation against in the event of an occurrence.

The implication is that in the event where you car was damaged by a flood, your insurance company is not under any obligation to cover your losses should you file for a claim.

You are left stranded, disappointed, and you end up feeling defrauded. Probably the policy was oversold to you, or you just didn’t remember to ask necessary questions.


Constructive Total Loss in Motor Insurance

Your insurance policy document contains the terms and conditions of the contract between you and your insurance company.

Underwriters (insurance companies) incorporate clauses into insurance policies to limit their liability, protect them from undue exposures and from being taken advantage of. One of such clauses is Constructive Total Loss (CTL).

Do you have a motor insurance policy? If yes, then you need to know what this clause is about.

CTL is a standard motor insurance policy wording. No prudent underwriter would expunge it from your policy on you request, and it is rarely altered to suit a particular client. This invariably means that the best you can do is to understand the clause and how it is applied so that you are informed and prepared should there be need for it.

Before delving into what CTL is, an understanding of what Total Loss is, as it applies in motor insurance (MI), is necessary.

What is Total Loss in motor insurance?

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