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While it’s not as glamorous as sex, drugs, and rock and roll, we’ve had some interesting questions related to the use and manufacture of drugs. These questions typically involve an impaired insured, which raises concerns regarding intent. Can an inebriated or stoned individual be held responsible for his actions? Regardless of whether the authorities hold him responsible, how does the homeowner’s policy handle related claims? In this month’s column, we look at both the impaired insured and the insured who manufactures drugs in the home.


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