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Question: I am an adjuster dealing with an HO3 special form policy. A water damage claim was submitted by a policyholder. A built-in salt-water aquarium leaked water onto the carpet in a bedroom, which was treated as a black-water situation, and the carpet and pad were replaced. The leak was caused by an external pump that burned up and caused an overflow (wear and tear of the pump).
The fish were removed and taken to a specialty fish and aquarium store where they are being taken care of. The policyholder has made us aware that there is a significant bill for the storage of the fish.
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