• Some Deemers insurance companies affix endorsements to property insurance policies in which all property damage (PD) is “assumed” to have occurred at a particular point in time. For example, an endorsement may provide that all covered PDs are deemed to have occurred at the time the damage occurred, regardless of when the damage was discovered. Under these types of endorsements, informally called “assessors” by some, the policyholder’s knowledge of the claim is irrelevant to which policy is initiated. As with “first knowledge” approval, a particular loss can only trigger one policy (assuming all affected policies have this provision type), but the actual policy that is triggered may differ between the two approaches.