Would pack-out and storage of contents for a covered water loss to a dwelling be accounted for under the Coverage A limit or the Coverage C limit?  This is a HO-3 policy.

Virginia Subscriber

Since the contents are being removed as part of damage to the structure itself, then the removal of contents would be part of coverage A. If the contents themselves were damaged then it can be seen as part of coverage C, but if the sofa needs to be moved to get it out of a soggy room so the room can be cleaned and aired out, it is coverage A.