Our insured has a HO-5 policy and the date of loss is February 2, 2008. Rain water entered through the roof and damaged the interior. The interior damages have been paid; however, the cause of loss is somewhat of an issue.
Insured's roofer stated that "roof has been destroyed from fire" and needs to be replaced.
Second roofer said there are two causes: (1) improper flashing and (2) the charcoal color release used on the tiles is had a chemical reaction and caused the tiles to decay. With a hole in the tile, the water and UV rays can enter and decay the roofing felt paper. It would be impossible for embers to set on the tile roof and burn a hole through the tile without causing the attic structure to go up in flames.
This premium content is locked for FC&S Coverage Interpretation Subscribers
Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.
- Quality content from industry experts with over 60 years insurance experience, combined
- Customizable alerts of changes in relevant policies and trends
- Search and navigate Q&As to find answers to your specific questions
- Filter by article, discussion, analysis and more to find the exact information you’re looking for
- Continually updated to bring you the latest reports, trending topics, and coverage analysis
Already have an account? Sign In Now
For enterprise-wide or corporate access, please contact our Sales Department at 1-800-543-0874 or email [email protected]