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Ice, Snow, and Collapse

Discusses the difference between ice and snow, and the meaning of collapse.

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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:

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