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Insurance Coverage Q&A: Impaired Airflow from Duct Line

An insured put up with insufficient airflow for several years when a regular inspection would have caught the problem much earlier. But will there be coverage for this insured's loss?

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I have a client on a Building and Business Personal Property policy (CP 00 10) and Special Form Cause of Loss (CP 10 30). There is a flex duct line laid in the attic. The duct has not been putting out good airflow for 3-4 years. During a recent construction project a contractor notices that the flex duct has been stepped on, causing a restriction in airflow to parts of the building. Can you please let me know if there is a potential for coverage here and under what circumstances?

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