Crossword Genius

Found out daughter has valid insurance policy? (10)

Ross

I believe the answer is:

discovered

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'found' is the definition.
('discover' can be a synonym of 'find')

'out daughter has valid insurance policy?' is the wordplay.
'out' is an insertion indicator.
'daughter' becomes 'd' (genealogical abbreviation).
'has' means one lot of letters go next to another.
'valid' becomes 'dise' (I can't justify this - if you can you should believe this answer much more).
'insurance policy?' becomes 'cover' (insurance cover).
'd' put after 'dise' is 'dised'.
'dised' enclosing 'cover' is 'DISCOVERED'.

Can you help me to learn more?

(Other definitions for discovered that I've seen before include "Unexpectedly found" , "Was the first to observe" , "Found during search" .)

I've seen this clue in The Times.
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