Documentation must include the chief complaint, an extended history of presenting illness (HPI), an extended review of systems (ROS), and a pertinent past, family, and/or social history (PFSH).
Insurance Encyclopedia
Detainment
Holding back someone else’s property. The detainment clause in the Institute War and Strikes Clauses (HullTime) provides that a vessel detained 12 months or more is treated as a constructive total loss. However, clause 5 excludes detainment by or under the order of the government or other public of the country in which the vessel is owned or registered. It is also excluded if detainment is due to infringement of any trading or customs regulations.
Detention
1. Occurs when governmental authorities prevent a vessel and/or cargo leaving port, particularly during hostilities. 2. Where demurrage is paid for an agreed number of days any further delay is ‘detention’ for which the shipowner can claim unlimited damages.
Deterioration
Impairment of condition. One of the causes of depreciation and reflecting the loss in value brought about by the wear and tear, disintegration, use in service and the action of the elements. Deterioration results in depreciation, that is, loss in value.
Deterioration in reserves
Where the reserves of an insurer or reinsurer for prior years are insufficient to meet the estimated liabilities of one or more loss exposures and therefore require to be increased.
Deterioration of freezer contents (household)
Insurance of stock stored in a freezer and/or refrigerator against the risk of loss through deterioration following: (a) breakdown of plant; (b) non-operation of thermostatic or automatic controlling devices; (c) action of escaping refrigerant fumes from any cause; or (d) failure of the public electricity supply. See DETERIORATION OF STOCK.
Deterioration of stock
Engineering insurance covering damage to perishable stock in cold stores directly consequent upon an accident to cooling or climatising equipment insured under a machinery breakdown policy. The widest form of cover insures loss caused by any rise or fall in temperature. See DETERIORATION OF CONTENTS.
Deterioration of Stock Insurance (Refrigeration Plant Insurance) (DOS) for Engineering Insurance
Deterioration of stock cover is a follow-up cover to Machinery Breakdown Insurance and may only be taken out in connection with the latter. The Insurance covers deterioration of goods stored in cold storage, which might arise due to a breakdown of refrigerating machinery. The Policy includes deterioration damage due to refrigerants escaping or leaking as a consequence of an indemnifiable machinery breakdown, a rise or fall in cooling temperature or directly resulting from any indemnifiable material damage to the refrigeration plant. In the Indian Market it is customary to have two different forms of policies: (i) Deterioration of Stocks Insurance (Other than potatoes): This policy is for stock of fish, prawns, frog legs and other types of sea foods, fruits, cheese, provisions and other dairy and agricultural products etc. (ii) Deterioration of Stock Insurance (Potatoes): This policy is exclusively meant for the contents of potato cold storage. The policies follows a Machinery Insurance Policy and it is a condition precedent under DOS policy that a claim would be admitted under the Machinery Policy.
Deterioration of Stocks in Cold Storage Premises due to accidental power failure consequent to damage at the premises of Power Station due to an insured peril under Standard Fire and Special Perils Policy (Material Damage)
On payment of additional premium the Policy is extended to cover destruction of or damage to the property caused by change of temperature in consequence of failure of electric supply at the terminal ends of electric service feeders from which the insured obtains electric supply directly due to damage caused by any peril insured against under the Policy to property at an Electric Station or Substation of Public Electric Supply Undertaking from which the insured obtains electric supply. Provided policy does not cover any loss occasioned by the deliberate act of the Government, Municipal or Local Authority or Supply authority not performed for the sole purpose of safeguarding life or protecting any part of supply undertaking’s system or by the exercise any such authority of its power to withhold or restrict or ration supply not necessitated solely by damage to the supply undertaking’s generating or supply equipment by an insured peril. Excess 24 hours. Deterioration of Stocks in Cold Storage Premises due to change in temperature arising out of loss or damage to the cold storage machinery (ies) in the Insured’s premises due to operation of insured peril under Standard Fire and Special Perils Policy (Material Damage) : On payment of additional premium the Policy is extended to cover Deterioration of Stocks in Cold Storage Premises due to change in temperature arising out of loss or damage to the cold storage machinery (ies) in the Insured’s premises due to operation of insured peril. Excess 24 hours.
Determination
Decision made to either pay in full, pay in part, or deny a claim.