X

Thank you for sharing!

Your article was successfully shared with the contacts you provided.

I have a claim in Wisconsin in which the insured’s garage roof is sagging and one of the walls is bowing out. They did have heavy snow load on the roof and that is believed to be the cause of the sagging and the bowing. The garage is still in use and can be used for its intended purpose. The garage door opens and closes. The insured did put a brace on the wall but there are no signs it was in danger of falling down. This is insured on an HO-0003 10-00. I do not believe it would be considered a collapse based on the definition of a collapse in the policy. I am debating whether it would be covered since weight of ice and snow is a covered peril on the policy. However, on page 9 of 22 it states:

This premium content is locked for
FC&S Expert Coverage Interpretation subscribers.

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis

Already have an account?
For enterprise-wide or corporate access, please contact our Sales Department at 1-800-543-0874 or email [email protected].

FC&S Editors

 

Get Answers Directly From the FC&S Experts

Submit your coverage interpretation question to the editors of FC&S for quick and reliable information.

Question of the Week

Insurance Coverage Q&A: Application of Hurricane Deductible to Dwelling and Personal Property ›

How is the hurricane deductible applied when there is damage to both the dwelling and personal property?

Question of the Week Archive ›

Copyright © 2022 ALM Global, LLC. All Rights Reserved.