Generally a specific answer is being sought or a problem is being research requiring review of only individual parts of the coverage form and/or its applicable endorsements to develop the required answer or opinion.

Whether reading an entire policy or only sections, 12 specific "rules" can be applied in reading the policy form to make finding the needed answer easier and quicker.

These are not shortcuts to reading the policy, as there is no shortcut to reading any legal document, just pointers toward correct policy interpretation and application.

The twelve rules are as follows:

1. Ascertain who qualifies as an insured.
2. Annotate the policy form.
3. Confirm all forms and endorsements are attached.
4. Read the Insuring Agreement first.
5. Read the exclusions.
6. Read the exceptions to the exclusions.
7. When the policy refers to another section, read that section immediately.
8. Pay attention to the conjunctions used in a list.
9. Pay attention to key words and phrases.
10. Read and understand the definitions of specifically defined terms.
11. Understand and make sure all the policy conditions have been met.
12. Confirm the coverage limits are adequate for the loss.

Source: Sloan Risk Management Services Limited - www.sloanrisk.co.nz