You are the adjuster on this claim. It is your job to tell the instructor (Supervising Adjuster) whether the claims scenario will be insured or not insured, and why. If it is insured, how much is insured and what will be the calculation for the deductible, if any. Which of the lost items will be insured and how much will they be insured for in this scenario. Be specific. Coverage Scenario Insured with Wawanesa (Bob Smith lives on a 160-acre farm does not farm any longer) Homeowners, Broad Form. $1,000 deductible. Multi-Limit $400,000 for Building (coverage A), 40,000 for detached structures (coverage B) and $200,000 for Contents (coverage C). Also includes Coverage D.Term Jan 31, 2019 2020. Replacement cost.

Bobs house burned down (grass fire) and the detached Pole Barn (garage) that he stored his 3 cars camper and 1 old tractor also burned down. Total Loss by Fire for both buildings. 6 months to rebuild. DOL, Jan 1, 2020.

Contents List: 3 laptops @ $1,000 each, cash $10,000, comic book collection $10,000 for 50 comics (3 comics worth $1,000 each, all other - 47 at $250 per comic), business property (desk, computer, printer, cabinets $10,000), motorcycle 1000 cc $5,000, wedding ring $15,000, truck camper $5,000 (in garage).

Status of Coverage and Claim