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Analysis brought to you by the experts at FC&S Online, the unquestioned authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to have YOUR coverage question answered — visit the National Underwriter website, or contact the editors via Twitter: @FCSbulletins.

Question: The insured’s policy is the Homeowners 3 — Special Form HO 03 10/00. The insured has a wind loss claim to roof of June 23, and the living room ceiling later collapsed on June 26. The policyholder attributes the collapse to the wind loss, but our engineer says it resulted from the expansion and contraction of the roof system, which weakened the integrity of the nails holding drywall in place.

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