QUESTION 12 Endorsements most often Limit the amount you can recover after a loss Increases the items covered and the coverage amount Decrease your premium charged Defines which claims will be paid first QUESTION 13 What is replacement cost coverage A method of paying a claim that accounts for depreciation The cash the insurance company pays under for the endorsement A method of paying a claim after it is subrogated A method of paying a claim to replace the items you lost at a current cost QUESTION 14 Some provisions to reduce the amount of recovery in an insurance policy are all except Deductibles Premiums Coinsurance Policy limits