An insurer must “make available” coverage for insured losses in all of its property and casualty insurance policies. In breaking down this requirement, several questions quickly emerge:
- What is coverage for insured losses?
- How does an insurer make that coverage available?
- What happens if the policyholder does not desire to purchase the available coverage?
- How does the insurer evidence its compliance with this requirement?
 31 C.F.R. § 50.20(a)(1).