December 2010 Dec Page

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Question of the Month

 

Property coverage forms commonly contain exclusions for loss caused by governmental destruction, confiscation, or seizure of property. However, a denial of coverage based on these exclusions is not automatic. For example, some property forms, such as the commercial property forms and the ISO homeowners policy, mitigate the effects of the exclusions by stating that actions taken by the government to stop the spread of fire fall outside the scope of the exclusions. Moreover, the exclusions, as is usual, are subject to judicial interpretation.

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