This is a situation that is becoming more prevalent and policy language is important. For this particular claim, there are two possible exclusions that could come into play: Faulty construction/workmanship in the gaps not being in the acceptable range and the failed ridge board, which could be excluded as wear and tear. Credit: Shutterstock.com This is a situation that is becoming more prevalent and policy language is important. For this particular claim, there are two possible exclusions that could come into play: Faulty construction/workmanship in the gaps not being in the acceptable range and the failed ridge board, which could be excluded as wear and tear. Credit: Shutterstock.com

PC360 editor's note: Every claim is different, and some insurance policies can be difficult to interpret for unique situations. FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry, makes it simple to find credible answers to your complicated coverage questions.

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Coverage & Policy Issues
Catastrophe & Restoration