Water Damage to Personal Property

Q

We insure the tenant of a house under an HO 00 04 05 01, with broad form named perils on his personal property. Recently, a windstorm blew water into the house through a crack in the wall. Incidentally, the crack in the wall was not caused by the windstorm. Since the insured was away at the time, the water caused mildew damage to his furniture.

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