We have had an unusual claim presented and were initially of the opinion that the loss was not covered. But now, based on additional information, we think the loss may be covered.

Our insured has an HO 00 03 05 01. During recent maintenance the septic tank was found to have a crack in it, so that there is a slight leak. The crack could have occurred at any time. There is no damage to the dwelling.

Our first thought was to deny coverage to replace the tank.

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