An exclusion is a maintenance instruction written years before the claim. Five things to check in the form your insurer filed, and what each one asks you to do now.
Almost nobody reads the letter properly the first time. These are the questions that follow, roughly in the sequence they occur to the person holding it.
Electronic filing, e-signed authorizations and posted price lists have quietly reordered the first week after a death. Here is what a household actually has to hold.