deemers

Some insurers attach endorsements to property insurance policies in which all property damage is "deemed" to have occurred at a specific moment in time. For example, the endorsement may provide that all covered property damage is deemed to have occurred at the moment damage first began, regardless of when it was discovered. Under these types of endorsements, informally referred to by some as "deemers," the insured's knowledge of a claim is not relevant to which policy is triggered. As with the "first knowledge" endorsement, only one policy can be triggered by a given loss (assuming all the affected policies have this type of provision), but the actual policy that is triggered could be different under these two approaches.