Editor's Note: This article originally appeared in National Underwriter, P&C.

SAN FRANCISCO--Language contained in insurers' own claim manuals may void policy exclusion provisions insurers have used to deny homeowners' Chinese drywall damage claims, an insurance law expert testified here.

Charles Miller, of the Insurance Law Center in Berkeley, Calif., made his remarks here at a hearing on drywall issues by the National Association of Insurance Commissioners Catastrophe Insurance Working Group at the NAIC's Winter National Meeting.

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