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Summary: A standard feature of property insurance forms is the coverage for direct physical loss of or damage to covered property caused by or resulting from windstorm or hail. This provision was originally one of the extended coverages that first expanded the scope of the fire policy. The following discussion deals with the background of windstorm and hail coverage and lists several court decisions that have addressed the scope of that coverage. All of the cases in this discussion are still valid case law.
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