What is a limitation of coverage?

A limitation of coverage is when an insurance policy doesn’t cover certain types of damages or losses. This means that an insured person cannot make a claim for these losses or damages. In North Carolina, coverage limitations vary from policy to policy and depend on the type of insurance. Generally, insurance claims law in North Carolina limits coverage for intentional losses, losses that occur due to war, losses that occurred prior to the policy taking effect, losses due to pollution, losses due to government action, and losses that are not clearly outlined in the policy. These limitations may vary by policy and by type of coverage. It is important for insured parties in North Carolina to carefully read and understand their policy to ensure they are aware of any limitations that apply to the coverage they have.

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