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Question: The insured's policy is the Homeowners 3 — Special Form HO 03 10/00. The insured has a wind loss claim to roof of June 23, and the living room ceiling later collapsed on June 26. The policyholder attributes the collapse to the wind loss, but our engineer says it resulted from the expansion and contraction of the roof system, which weakened the integrity of the nails holding drywall in place.
We believe this to be two separate losses and have applied two separate deductibles. The insured continues to believe it is all one loss and that only one deductible should apply. In reviewing the policy language, the only policy language we see is as follows:
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