PropertyCasualty360.com 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. The following letter was edited for length and clarity.
The insured is an oriental rug cleaner that filed a claim after a rug was damaged during the cleaning process. The policyholder hung the rug to dry on wooden pegs, which have small steel pins as part of their structure. These pins caused rust, which then stained and damaged the rug.
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