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Did snow, ice or water cause the damage?

Determining coverage often depends on the peril that caused the damage.

By FC&S Editors | Updated on January 11, 2017
Determining if snow, water or the resulting ice caused a boat pier to collapse means understanding the difference between types of precipitation. (Photo: iStock)

Question: My insured is covered by an HO3 10/00. At the rear of his home he has a large boat dock complete with a boat lift and metal canopy. My reading of the form would indicate that this dock would not be insured for damage (collapse) caused by weight of ice or water, but would be covered for weight of snow. At first I thought snow might be considered “ice.”

However, snow is omitted from the limitations to docks under the collapse peril, even though it is listed separately as a covered peril under Coverage C perils insured against. Do you agree?

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