We get plenty of questions throughout the year, and some are particularly interesting. Last week we featured our favorite commercial lines questions from this year, and this week we're featuring our favorite personal lines questions.  Remember, we're happy to answer any coverage questions you have, just click the Ask the Experts button at the top right-hand corner of your screen. Want to see our favorite Commercial Lines Questions from 2023? Simply click here.

Tear Gas Damage Excluded by Pollution Exclusion

A Swat team of the local authority deployed tear gas in the home of our insured seeking to take into custody a named insured. The policy is a HO 00 08 (04/91). Courts have generally held this type of loss is sudden and accidental. Would the tear gas be considered 'smoke' to trigger coverage on this closed peril policy? CS or tear gas is a chemical compound dispersed as a fine particulate that forms the characteristic of smoke and leaves a soot like residue on dwelling and personal property.

PART 2 – No dyes Burn marks on floor cover Entire house affected with residue and odor