How to Analyze Insurance Documents in a Fire Investigation:
Declarations Page (Declarations Sheet)
VP, Fire Investigation Specialist
American Re-Insurance Co.
The basic information about the policy coverages
can be found on the face of the policy or the "declarations page".
This is also called the "dec page" or "cover sheet"
of the policy. While the main body of the policy is usually a series of
printed forms which are compiled to make the complete policy, the declarations
page is specially prepared with the specific information about the coverage
under that particular policy.
Annotations are found below the form. You may click on any number on
the form to hop directly to its annotation.
1. The name of the producer is the insurance agent who
sold the policy. This is the contact person for information about the circumstances
of obtaining the policy.
2. This is the identifying number of the policy assigned
by the insurance company.
3. If the policy has been in existence more than one
policy term (usually one year), it will be a renewal of a prior policy.
If the policy is newly issued, it will indicate the policy is new.
4. This identifies the person or company actually insured
under the policy.
5. The policy period or policy term shows the beginning
and ending dates of the coverage.
6. The form of business identifies it as an individual,
proprietorship, partnership, corporation or other legal entity.
7. The type of business operated at the insured location
is indicated here.
8. The various types and amounts of coverage are shown.
9. The policy forms applicable to the insurance policy
are listed, as well as any endorsements changing or supplementing the basic
Reprinted with permission from the author.