Whenever you think that an insurance policy may cover a claim or cause of action, the first step is to get complete copies of any potentially applicable policies. Never attempt to analyze coverage without a copy of the entire policy; an incomplete copy may lead you to reach an improper conclusion on coverage. Use this checklist to be sure that you have the entire policy.
If nothing else, recent natural disasters have shown us the importance of carefully reading insurance policies before we buy them. But many people won’t do that, so that leaves it to attorneys to figure out coverage after disaster strikes. Attorneys faced with this task need an organized approach to determining whether coverage exists.