Generator as Other Structure

July 27, 2015

We recently had a storm where an insured is claiming his commercial grade generator which is outside of his home was damaged (apparently mechanical as leaked fuel and coolant). We are having issue with that this is not a coverage B “Other Structure”. This unit is bolted outside to a concrete/brick slab not attached to the dwelling. It is underneath an overhang wooden tin roof that just provides top cover only. This is not a “contents” type of portable generator that one would put back in the garage when use is done.

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