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Coverage is provided under a DP-1 12/02 on a risk located in Georgia . Unknown persons broke a lock and gained access to the crawl space under the insured risk. They stole copper electric wires and copper Freon lines.

The DP-1 is named peril with no coverage for theft. It does provide coverage under VMM for the "damage to the building covered caused by burglars". The insured interprets this to mean all costs except materials to replace the stolen copper. This includes labor and things such as wire clips and receptacles as they were damaged when the thieves ripped the copper wire out. The AC was also damaged when the copper Freon lines were taken. The insured has submitted to have the system repaired and recharged. He expects coverage on all costs except the material cost for the copper Freon line.

Does the DP-1 provide coverage for building damage caused by burglars breaking in and then exiting or does it extend to all building damage caused during the course of the burglary and the theft?

Florida Subscriber

The policy has no exceptions to the coverage provided to the building caused by burglars. Therefore, any damage to the building or parts of the building is covered. The only thing you need to pay attention to is that damage to personal property is not covered. So for example if in ripping out the copper pipes the burglars knocked over and broke the TV, there is no coverage for the TV but there is coverage for the hole in the wall where they ripped out the pipes. In your case it sounds like everything they damaged was part of the building and should be covered except for the copper lines themselves.

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