This is a situation that is becoming more prevalent and policy language is important. For this particular claim, there are two possible exclusions that could come into play: Faulty construction/workmanship in the gaps not being in the acceptable range and the failed ridge board, which could be excluded as wear and tear. Credit: Shutterstock.com This is a situation that is becoming more prevalent and policy language is important. For this particular claim, there are two possible exclusions that could come into play: Faulty construction/workmanship in the gaps not being in the acceptable range and the failed ridge board, which could be excluded as wear and tear. Credit: Shutterstock.com

PC360 editor’s note: Every claim is different, and some insurance policies can be difficult to interpret for unique situations. FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry, makes it simple to find credible answers to your complicated coverage questions.

The roof on this home is being replaced due to damages from a covered peril (windstorm/hail). During restoration, the contractor discovered that the roof sheathing is made up of 1″x6″ wood planks that would normally be acceptable in this jurisdiction if the gaps between the planks were within the acceptable range of the shingle manufacturer, which they are not. This causes a non-nailable surface situation and the roof sheathing must be replaced with either planks with smaller gaps or plywood/OSB panels.

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