Our insured has a commercial building and its business contents covered under an ISO CP 00 10 04 02 with causes of loss special form CP 10 30 04 02 attached. Last winter the insured sustained a substantial building and contents loss from what the local roofer described as "thermal shock." This is a term I had never heard of before. It refers to rapid changes in temperature that caused the flat built-up roof of the building to split, allowing rain and melted snow to enter the building and damage the building interior and contents.

We had a long spell of subzero weather, then a sudden rise one day to 48 degrees followed that night by a drop to three degrees. The next week the temperature again rose sharply with thunder showers and it was then that our insured, along with a number of other owners of buildings with similar roof design, discovered these roof cracks, usually about one-quarter inch wide parallel to one of the roof trusses and running, sometimes, almost the length of the roof.

The adjuster has told us this is not a covered loss because of exclusion 2.d.(4), settling, cracking, shrinking or expansion, and pointed out further that the contents loss was also subject to exclusion 2.d.(7)(b), changes in or extremes of temperature. Do you agree, and if so, how could the insured have been provided coverage for such a loss?