We have a HO1 policy. The Philadelphia Contributionship policy lists Limit of Liability A$329,000 B$32,900 C$164.500 D$32,900 with the premium listed next to A as $2,635.48 B,C and D all say included. The insurer adjuster says water damage is not covered. Why does the declaration page say included if it's not? How do we get this paid? The garbage disposal in the kitchen quit working and water saturated the cabinets; water restoration was called. The bill is yet to be paid by the homeowner and the cabinets must be replaced. The agent says its covered for ACV. 1. When a policy lists ABCD and says included wouldn't that mean it's covered? 2. How do we get this paid?

Ohio Subscriber

The HO 00 01 is a very basic named perils policy. I'm looking at the standard ISO form, your policy may be different. Unless one of the named perils caused the loss, it is excluded, regardless of the dec page. There is coverage for B, C, and D but the cause must be from the named perils of fire or lightning, wind/hail, explosion, riot/civil commotion, aircraft, vehicles, smoke, vandalism/malicious mischief, theft or volcanic eruption.