Insurance Coverage Q&A: Solar Lights – Landscaping or Personal Property
Discusses what exactly constitutes hardscape property.
August 17, 2020 at 06:58 AM
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I have a homeowners claim where the brush fire damaged many items on the outside of the house. The solar lights were destroyed, State Farm has taken the position they are covered under Landscaping; which we have already exhausted the limits. I’m arguing they are personal property. They are not hardwired so they wouldn’t be covered under dwelling.
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