Terms

C. Hazard (physical, moral, morale)

D. Deductible

E. Indemnity

F. Actual cash value

G. Replacement cost

H. Limits of liability (per occurrence/person, aggregate,

split, combined single)

I. Coinsurance

J. Staff/Independent vs public adjuster

K. Other insurance (primary and excess, contribution by

equal shares)

L. Liberalization

M. Vacancy and unoccupancy

N. Salvage

O. Abandonment

P. Liability (absolute, strict, vicarious)

Q. Negligence, and defenses against