Flood coverage under CP 10 65 applies to property coverage when a flood limit is indicated where?

Flood coverage under CP 10 65 applies to property coverage when a flood limit is indicated where?

• A. In the flood coverage schedule or in the declarations
• B. In the general policy terms
• C. Only in riders added after inception
• D. Only for building structures

Answer: (A)

Flood coverage added by CP 10 65 is bound to a specified limit that must appear on the policy documents. The flood limit is shown either in the flood coverage schedule or on the declarations page, and that amount is the official limit of coverage for flood under the policy. If no limit is indicated in those places, the flood coverage is not in force or is undefined, which is why the schedule or declarations are essential. The declarations provide the basic policy information, including the overall insured values and limits, while the flood coverage schedule is the specific attachment that lists the flood amount for the property covered. Together they establish the exact coverage and any per-occurrence or aggregate limits that apply, and they clarify what is covered (building, contents, or both) under flood. Other options don’t fit because the flood limit isn’t determined by the general terms of the policy, nor is it confined to riders added after inception or limited only to building structures. The official flood limit must be shown in the schedule or declarations to be effective.

Flood coverage added by CP 10 65 is bound to a specified limit that must appear on the policy documents. The flood limit is shown either in the flood coverage schedule or on the declarations page, and that amount is the official limit of coverage for flood under the policy. If no limit is indicated in those places, the flood coverage is not in force or is undefined, which is why the schedule or declarations are essential.

The declarations provide the basic policy information, including the overall insured values and limits, while the flood coverage schedule is the specific attachment that lists the flood amount for the property covered. Together they establish the exact coverage and any per-occurrence or aggregate limits that apply, and they clarify what is covered (building, contents, or both) under flood.

Other options don’t fit because the flood limit isn’t determined by the general terms of the policy, nor is it confined to riders added after inception or limited only to building structures. The official flood limit must be shown in the schedule or declarations to be effective.