Patio as a Building

May 3, 2013

We have an insured with an HO 00 03 10 00 policy. Heavy snow and ice buildup caused the roof of their patio cover to collapse and damage the contents under the patio cover. The peril of weight of ice and snow says that contents coverage for this peril is limited to property contained in a building. Do you think contents under the patio cover are “contained in a building”?

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