12. Are my legal fees and bills covered if I incur the costs after February 26th, 2007 but the fees relate to claims, suits, or otherwise legal proceedings arising out of events that occurred before February 26th, 2007?
Legal fees are only covered if the proximate cause is on or after inception date of the policy, being February 26th, 2007. Even if your bills are incurred after this date, the policy will not respond if the criminal act, negligence, or other events (which necessitated the legal fees) occurred before February 26th, 2007.
All of the above are Rev. #2 05/30/2014