"The number of unknowns surrounding the gradual legalization of marijuana across the U.S. far outweighs what insurers currently understand about this enterprise," according to Claims magazine Editor in Chief Patricia Harman. (Photo: iStock)

Analysis brought to you by FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to learn how to find answers to YOUR coverage questions — click here!

Question: The insured risk is covered under policy form DP-3 (9-83) with a SFP-1 (08-86) Standard Fire policy endorsement. The endorsement reads under the conditions section: Unless otherwise provided in writing added hereto the Company shall not be liable for loss as a result of explosion or riot, unless fire ensues and in that event for loss by fire only.

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