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    <title>Constructive loss</title>
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    <description>Constructive total loss arises where insured property is reasonably abandoned because actual total loss seems unavoidable or because preservation would cost more than the property&#039;s value when preserved; determination is a question of fact. The statutory definition is subject to any express policy provision, and inconsistent policy clauses must be given effect when construing constructive loss and abandonment or recovery-related questions.</description>
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      <description>Constructive total loss arises where insured property is reasonably abandoned because actual total loss seems unavoidable or because preservation would cost more than the property&#039;s value when preserved; determination is a question of fact. The statutory definition is subject to any express policy provision, and inconsistent policy clauses must be given effect when construing constructive loss and abandonment or recovery-related questions.</description>
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