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Warped Siding and Solar Energy
Q: A client of ours, who has an HO5 form, recently submitted a claim for the warping of their vinyl siding, vinyl shutters, vinyl mailbox, and bubbling of the paint to a door. It was believed at the time of the loss report, and verified by an engineer's report, that the heat reflecting off of low-e windows from our insured's neighbor's home caused the damage. The insurance company denied the loss citing: We do not pay for loss resulting directly or indirectly from any of the following, even if other events or happenings contributed concurrently, or in sequence, to the loss:” (12.) by nuclear action or radiation or radioactive contamination, however caused. Nuclear action includes nuclear reaction, discharge, radiation or radioactive contamination, whether manmade or occurring naturally.
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