Our client's building is attached to the neighboring building that sustained a fire. The neighboring building was demolished just after the fire leaving our client's building exposed to the elements (I've attached a photo to show what I'm talking about). Carrier has refused to address this and has requested the assistance of a local attorney. Attorney has had the information for about two months and has not provided any insight.

I've also attached a page from the engineer report that indicates the left elevation is no longer waterproof. Within the text of the report, the engineer states that the building sustained a loss. Stromecki goes on to suggest possible remedies however, these remedies do not indemnify the insured.

New York Subscriber

Is the insured's policy written on the ISO forms? If not, then we may need to see the actual form providing the insured's coverage.

In the ISO CP 00 10 Building and Personal Property Coverage Form, the insured's building coverage is dependent upon the building described in the Declarations being damaged due to a covered cause of loss. The covered cause of loss would be determined based on which cause of loss form was attached to the policy (Basic – CP 10 10, Broad – CP 10 20, or Special – CP 10 30). It does not sound like the insured has suffered damage due to a covered property loss, but rather due to the other building owner's demolition. If such were the case, this would be the subject of a property damage liability claim that the insured might have against the other building owner's policy.

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