Hail Blocking Gutters Not Exception to Commercial Property Limitation

August 19, 2013

Our insured carries a CP 10 30, Causes of Loss – Special form. Hail accumulated in gutters, blocking the downspouts. Accompanying rain overflowed the gutters and entered building below the metal roof. There was no damage to the roof by hail that allowed water to enter. Does the limitations section exclude interior water damage as there was no damage by covered cause of loss to the roof or walls, or is coverage extended as it is an ice damming situation (thawing of ice)?

Texas Subscriber

The exception to the interior water damage limitation for thawing of ice would not apply in this instance. It is not the thawing of the hail that caused the water to enter; it was because the hail was in its solid form and blocked the downspouts that the rain overran the gutters and leaked inside. The damage would not be covered.

 

This premium content is locked for FC&S Coverage Interpretation Subscribers

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis