Thank you for sharing!

Your article was successfully shared with the contacts you provided.

We have a HO1 policy. The Philadelphia Contributionship policy lists Limit of Liability A$329,000 B$32,900 C$164.500 D$32,900 with the premium listed next to A as $2,635.48 B,C and D all say included. The insurer adjuster says water damage is not covered. Why does the declaration page say included if it’s not? How do we get this paid? The garbage disposal in the kitchen quit working and water saturated the cabinets; water restoration was called. The bill is yet to be paid by the homeowner and the cabinets must be replaced. The agent says its covered for ACV. 1. When a policy lists ABCD and says included wouldn’t that mean it’s covered? 2. How do we get this paid?

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

Request a Free Trial today to enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Trusted, 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 customerservice@nuco.com.

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

Leased Worker or Temporary Worker ›

Discusses whether a worker from a temporary staffing company is a leased worker or a temporary worker when working for a manufacturer in a position described as temporary to permanent.

Question of the Week Archive ›

Copyright © 2020 ALM Media Properties, LLC. All Rights Reserved.