Insurance Coverage Q&A of the Week: Attachment to Dwelling and Other Structures
Is a building attached to the dwelling by a power line part of Coverage A or Coverage B?
January 02, 2023 at 06:01 AM
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We have a client who had damage from the hurricane. He had an outbuilding that was 10′ from the main house. There is no foundation on that outbuilding. There is an electrical panel box with major conduit lines running underground from the outbuilding to the main attached garage of the home. It is solidly attached from the 3″ conduit from one electrical panel to the main electrical panel to the garage and home. All of the wirings run underground up through the concrete and are attached to both buildings. The outbuilding got damaged. We want to include this outbuilding on the structure and not other structures because it’s attached to the house by the underground wiring. What are your thoughts?
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