1. The first activity in the claim handling process is acknowledging and assigning the claim. XYZ sent an automatic notification to Johns agent to confirm that it received his claims and to inform him that the claim was assigned to Tom, a claim rep for XYZ. Discuss the next activity in the claim handling process and how Tom should complete that activity.

2. As part of the framework for coverage analysis on the property claim, Tom should seek out answers to certain questions as he reviews the policy. Identify the questions he should answer in doing the coverage analysis.

John is a telecommuter who works in his basement office and uses his personal computer to perform his work and correspond with his employer. In addition to John's office, the finished basement includes a recreation room with a sofa, loveseat, several overstuffed chairs, and a pool table. John insures his home under an HO-3 (2000) policy with XYZ Insurance. While John was away from his home for several hours, the hose on his washing machine burst, and water ran over the floor of the first-floor laundry room and absorbed into the carpet in the adjoining hallway, which kept it from flowing further. Water also poured into a floor register and seeped down through the floor into the basement. By the time John returned home and discovered the problem, the entire basement was flooded with foot-deep water. In addition to the damage to the furnishings and pool table, the central processing unit of John's computer, which sits on the floor in his office, was damaged. The utility room tile and hall carpet on the first floor were water- damaged, along with the basement carpeting, paneling, and ceiling tile. John reported the water damage claim to his insurance agent, who forwarded the information to XYZ. Use the claim handling process and apply the framework for coverage analysis as a guide to show how a claim representative would handle this claim. John is a telecommuter who works in his basement office and uses his personal computer to perform his work and correspond with his employer. In addition to John's office, the finished basement includes a recreation room with a sofa, loveseat, several overstuffed chairs, and a pool table. John insures his home under an HO-3 (2000) policy with XYZ Insurance. While John was away from his home for several hours, the hose on his washing machine burst, and water ran over the floor of the first-floor laundry room and absorbed into the carpet in the adjoining hallway, which kept it from flowing further. Water also poured into a floor register and seeped down through the floor into the basement. By the time John returned home and discovered the problem, the entire basement was flooded with foot-deep water. In addition to the damage to the furnishings and pool table, the central processing unit of John's computer, which sits on the floor in his office, was damaged. The utility room tile and hall carpet on the first floor were water- damaged, along with the basement carpeting, paneling, and ceiling tile. John reported the water damage claim to his insurance agent, who forwarded the information to XYZ. Use the claim handling process and apply the framework for coverage analysis as a guide to show how a claim representative would handle this claim