Q

Our insured is a country club with a tent that is used for outdoor events, such as receptions, dances, etc. It has a solid flooring to which the tent is attached. The tent is dismantled each year during the winter and stored.

The tent was damaged by a covered cause of loss. We maintain it is a fixture, and as such covered under the commercial property policy. The adjuster sees it otherwise. Who is right?

Ohio Subscriber

A

The tent is not a fixture. It is a structure, but not all structures are fixtures. It is not affixed to the building or to the realty, and therefore is not covered under the building coverage of the CP 00 10 04 02 policy.

The tent, however, is business personal property, and if within 100 feet of the described premises, would qualify for consideration under contents coverage.