October 13, 2010

Breaking In and Exiting Damage Covered; Other Theft-Related Damage Not Covered

Our insured suffered a theft of copper piping and water heaters; there was extensive damage done to the building during the theft. Damage done during the burglar's exiting and entrance was not severe. The policy has a theft exclusion, CP 10 33 06 95

The carrier is not willing to pay for the damage. Is this consistently the way this coverage is handled?

Connecticut Subscriber

According to the CP 10 33 06 95 endorsement, theft damage caused by breaking in and exiting is covered; any other loss or damage resulting from or caused by theft is not. The carrier would have to pay for the damage done by the breaking in or exiting of burglars, but not for any other theft-related damage. So, yes, this is the normal application of coverage for this type of loss.