Sometimes, it's very difficult to pin down when property damage actually occurred when it is initially hidden and discovered years later. This makes it particularly difficult when you need to determine which policies are triggered.

In this session, participants will learn how to:

• Determine the appropriate trigger of coverage.
• Explain number of occurrences in the context of a cause and effect analysis.
• Describe known loss in the context of continuous damage/injury claims.
• Explain the difference between "Montrose exclusions" and ISO's known loss amendment to the Insuring Agreement.