A snow and ice block slid off a slippery metal roof of a manufacturing building, presumably because of the temperature change to the roof, and ripped off spouting on the way down.

The insurance company has denied this loss, based on their position that this is a weight of ice or snow loss. Our position is that the loss was caused by something other than the weight of ice or snow, perhaps by sliding ice, or falling ice, or temperature change.

Where an unexcluded cause of loss conflicts with an excluded cause of loss, which trumps?

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