Homeowners Exclusion for Loss Caused by Civil Authority

We have an insured with an AAIS homeowners form 3. Recently, the police fired tear gas into the insured's home with the intention of apprehending a wanted felon.

Now we have been presented with a claim for the damage done to the interior of the dwelling as well as to the contents. We do not think this loss is covered, but would like to have your opinion.

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