When conversion applies
- Denial based on one specific exclusion
- Multiple-peril event with covered components
- Portion of scope clearly covered even if other portion disputed
- Secondary damage from covered peril
Identifying covered components
Event with mixed causes
- Wind + flood: wind portion typically covered
- Fire + smoke: both covered under fire
- Water + mold: water covered, mold sublimited
Scope with mixed coverage
- Structural damage covered; cosmetic not
- Policy-limit-exceeded excluded; within-limit covered
- Some items scheduled / some not
Timeline-separated damages
- Pre-loss deterioration excluded
- Current-event damage covered
- Separate the two
Submission strategy
Reframe the scope
- Separate covered from disputed
- Submit covered portion specifically
- Preserve disputed portion for continued negotiation
Request partial payment
- Specific amount supportable
- Policy language citation
- Evidence support
Continue negotiation on remaining scope
- Don't release full claim
- Preserve rights to dispute remainder
- Use partial payment to fund continued work