News and information for property & casualty insurance agents & brokers on coverage and policy issues, including policy analysis related to whether a client’s loss is covered. Coverage questions are answered as to who is liable in the event of a loss, in order to most effectively serve the client when a claim is filed.
Unambiguous language in a 'change in condition' endorsement means that the property owner had no coverage for water damage from frozen pipes as soon as a building became vacant.
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