Double-coverage

OneTake shows a Possible double-coverage caution on an item's Insurance card when the values you've declared for it across two or more active policies add up to noticeably more than the item is worth.

When it appears

The caution triggers when both are true:

• the item is assigned to two or more active policies, and
• the sum of the declared values across those policies is more than ~20% above the item's estimated value.

It's informational — it never blocks a save.

Why it matters

Property insurance is built on the principle of indemnity: a claim pays to restore what you lost, not to profit from it. Insuring one item for more than it's worth generally doesn't pay out more — instead you may:

• pay premium on value you can't actually claim, and
• run into coordination-of-benefits rules, where insurers split a single loss between them so the extra coverage adds cost without adding protection.

Overlap also sets up the deductible domino effect.

How to resolve it

1. Confirm the item's estimated value is current — refresh the market value if it looks low.
2. Review the declared value on each policy in the item's Insurance card, and lower or remove duplicates so the total lines up with what the item is worth.
3. If the item genuinely belongs on more than one policy (for example a floater plus a studio policy), make sure each declared value reflects that policy's intended role rather than double-counting the full replacement cost.