Policy CP 10 10/12 Special Causes of Loss CP 10 30 10/12

Facts of Loss: Vehicle runs into outdoor sign. Sign is a stand alone fixture, affixed to the land surrounded by a concrete pad. Does coverage extend to the fixture or is it excluded because signs not attached to a building are excluded under property not covered and under the outdoor property extension, it would only be covered for the named perils and vehicles are not one of them.

Would endorsement Outdoor Signs (CP 14 40) have changed coverage?

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