It minimizes the potential for disputes over uninsured losses. Sometimes it also strengthens the case for any additional insurance recommendations. The insurance industry has gone to great lengths to simplify the language in fundamental property coverage exclusions and has gathered these exclusions together in one prominent place whenever possible.
Exclusions are reasonable, reflecting years of loss experience by numerous insurers.
The needs and concerns of insureds are further addressed by consumer groups that participate in discussions with forms drafters when policy forms are reviewed and periodic changes are made in coverage. There is no need to hesitate about calling attention to the exclusions. Laypersons can easily understand them and will recognize them as reasonable. In addition, familiarity with them can provide beneficial coverage consequences for insureds. Two major exclusions underscore the need for additional coverages in some instances.