Hail Blocking Gutters Not Exception to Commercial Property Limitation

August 19, 2013

Our insured carries a CP 10 30, Causes of Loss – Special form. Hail accumulated in gutters, blocking the downspouts. Accompanying rain overflowed the gutters and entered building below the metal roof. There was no damage to the roof by hail that allowed water to enter. Does the limitations section exclude interior water damage as there was no damage by covered cause of loss to the roof or walls, or is coverage extended as it is an ice damming situation (thawing of ice)?

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