I have a PA challenging me on a DP3 policy (no contents coverage; the insured's reside at the risk).  This is a fire loss.  

The first issue is because there is no Coverage C available and in order to complete the repairs, the contents need to be moved. I was thinking we owe content manipulation to remove the personal property to access repairs.  Do we owe for storage and return?  Or just to return the contents? Unfortunately there is no space to store the contents at the house- the garage was burned to the ground.

The second issue is the PA hired his contractor to place a temporary fence around the property.  Apparently there was an attempted break in and now the insured wants all the locked windows and doors boarded up.  I advised him that damage caused by forced entry is covered if he wanted to pursue a 2nd claim.  I don't feel we owe to board up closed/locked windows and doors; if they were broken or open, then I could see it.  The PA is claiming we are not doing our job to protect the property from further damage.