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“Policy Ensurance” Compiled by Antone P. Braga

To Policyholders

Copyright © 1977-1981; new revised, 1991-2005 by Antone P. Braga 
Library of Congress catalog card numbers: 81-65344; 93-90021 
Subjects: Property insurance claims. | Insurance, Property — Law and legislation — United States. | Consumer protection — Law and legislation — United States. | Business & Economics — Insurance. | General Law — Insurance.

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Publisher’s Note: This book is published in recognition of the great need for availability of policyholder rights, responsibilities and clarification of adjusting principles for all policyholders as a matter of course, and especially for the millions of policyholders each year who find it necessary to file property insurance claims. Every care has been taken to ensure clarity and accuracy. Policyholders are cautioned, however: this book material is provided with the understanding that the publisher/author is not engaged in rendering legal service and is not responsible for the filing, adjustment, payment, denial or other outcome, of any insurance claim on behalf of the reader. Policyholders with specific legal problems are urged to seek professional legal advice.


All rights reserved. No part of this book may be reproduced or utilized in any form or by any means, electronic or mechanical, including photocopying, recording or by any information storage and retrieval system, without permission in writing from the author.


Manufactured in the United States of America as Trade Paper: ISBN 0-939206-02-1