The other insurance clause states that if a loss is covered by another policy, then only a proportion of the loss that the limit of liability applies under this policy bears to the total amount of insurance covering the loss. Credit: Chris Ryan/KOTO/Adobe Stock The other insurance clause states that if a loss is covered by another policy, then only a proportion of the loss that the limit of liability applies under this policy bears to the total amount of insurance covering the loss. Credit: Chris Ryan/KOTO/Adobe Stock

PropertyCasualty360.com editor's note: Every claim is different, and some insurance policies can be difficult to interpret for unique situations. FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry, makes it simple to find credible answers to your complicated coverage questions. The following letter was edited for length and clarity. 

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