Our homeowners insured (HO-2, 4/84) recently hired a contractor to replace her roof. He came by her house on a Friday afternoon and began the job. He took off most of the shingles and some of the sub-roof. He then covered the exposed portion with plastic and quit for the weekend.

Over the weekend, we had a big rain storm. The insured's roof collapsed from the weight of the water that collected on it. The inside of her home also suffered a great deal of water damage to the wall board, paint, and carpet. Her furniture was also damaged.

We believe that the collapse of the roof is covered. Is the subsequent damage also covered?

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