We have an insured with a BP 00 03 07 02. The insured suffered damage to two retaining walls by a vehicle. One of the walls is attached to the structure and the other wall is not. The insured is looking for coverage under his policy for both walls. Would you please advise as to your opinion as to whether or not these walls would be covered under the policy?

Massachusetts Subscriber

The ISO Building and Personal Property Coverage Form, CP 00 10, specifically lists retaining walls that are not part of a building as property not covered, but the BOP makes no mention of retaining walls either attached or not. It is our opinion that an attached or unattached retaining wall could be considered an outdoor fixture, and thus covered under the building portion of the policy.