Thank you so much! I did actually get an email back from the adjuster today stating that this POL does not limit our ability to obtain additional payouts. He referred me to the following text on the POL: "Nothing has been done by or with the privity or consent of the insured or this affiant, to violate the conditions of the policy, or render it void."
The other relevant statements on the POL are:
"The total amount of insurance upon the property described by this policy was, at the time of the loss $PER SCHEDULE as more particularly specified in the apportionment attached, besides which there was no policy or other contract of insurance, written or oral, valid or invalid."
"The actual cash value of said property at the time of the loss was $DWELLING COVERAGE POLICY LIMIT"
"The whole loss and damage of covered claim is [left blank]"
"The amount claimed under the above numbered policy is $[Here there is an actual dollar amount, which is equal to our dwelling coverage amount]"
I, of course, do not have whatever schedule or attachments are apparently being submitted with this form, but I assume it is the policy itself. With this verbiage, is there any reason I should be concerned about the ability to collect personal property or loss of income? Or is there any reason to be concerned about being able to claim, as my policy allows, an additional percentage of dwelling coverage if the cost to rebuild exceeds the dwelling coverage amount?
