Vehicle Peril—Capsized Boat

Q

A homeowners insured (form HO-4) has submitted a claim for a watch, binoculars, clothing, etc. lost when his sailboat capsized during an outing on Lake Michigan. The insured is claiming coverage under the windstorm peril, contending that excessive wind caused the craft to capsize. We are not entirely convinced, however, that this is a direct loss from any of the perils insured against. Do you see a clear basis for coverage?

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