A roof may be considered many things. It could be an airstrip for Santa and his reindeer or an oasis for James Taylor or the Drifters when this old world starts getting them down. But, can it be a tarp? Some FC&S subscribers posed that very question.
One subscriber's client, insured under a business owners' policy, contracted to have his roof changed from a flat rolled roof to a metal gable roof. The contractor cut the roof edges to install a new sill plate on the exterior block walls so the new roof trusses could be properly secured. At the end of each day, the contractor covered the edge of the roof with tarps.
During the construction, a windstorm ripped the tarps off the roof and allowed water to enter the building, resulting in more than $400,000 in damage to the contents.
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