Signs Not Attached to Buildings at Time of Loss Excluded from Coverage

Our insured had some signs that were permanently attached to the exterior walls of his building. During building maintenance the signs had to be temporarily removed from the walls for painting and other maintenance-related work. While the signs were temporarily removed they were stored on the roof of the building. One night during the maintenance period and while the signs were stored on the roof, they were stolen.

The insurer has refused to pay for the signs, citing the exclusion under item q on page two of fourteen of the Building and Personal Property Coverage form, CP 00 10 04 02.