Standard Time Definition

Q

We are having a debate in our office about whether the effective time of a homeowners policy is altered by daylight saving time. Homeowners policies state that coverage is effective at 12:01 AM Standard Time. My contention is that it is not affected by the changing of the clock; otherwise it would say that it is. But one of our producers says that when the clocks change, so does the effective time of the policy.

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