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Determining if snow, water or the resulting ice caused a boat pier to collapse means understanding the difference between types of precipitation. (Photo: iStock)

Question: My insured is covered by an HO3 10/00. At the rear of his home he has a large boat dock complete with a boat lift and metal canopy. My reading of the form would indicate that this dock would not be insured for damage (collapse) caused by weight of ice or water, but would be covered for weight of snow. At first I thought snow might be considered “ice.”


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