|

August 2, 2012

 Our insured has an HO3 which includes E. Additional Coverages 3. Trees, Shrubs, And Other Plants, which provides coverage up to $500 per tree if struck by lightning. The last line states, “This coverage is additional coverage.” It does not mention “deductible.”

 Under Additional Coverages, 4. Fire Department Service Charge, it provides coverage for fire department charges. The last sentence quotes, “This coverage is additional insurance. No deductible applies to this coverage.”

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