A client of mine, a health club, had a total collapse of the ceiling drywall over their warm water therapy pool. We do not know the cause of the collapse. What we do know is that there is some roof buckling and sagging over the pools' area, and some shingles above that area are curling. The roof decking, under the shingles, also has some spongy wet OSB boards. There is no reported hail damage and no objects, such as trees, have come down on the roofing surface, and no sign of wind damage. What is your opinion about coverage for the roofing surface and decking, as well as the collapsed drywall?

Ohio Subscriber

While not knowing the exact cause of loss, it would appear that the damage is due to excessive humidity over a period of time. If that is the case, then the loss would be excluded under the special causes of loss form, exclusion f. which excludes loss due to the presence of humidity or moisture over a period of 14 days or more, as follows: