Hot Tub and Malfunctioning Pump

July 9, 2018

We have a client who has an HO3 policy —- form HO 00 03 04 91 — Unknown to the insured the hot tub had a malfunction of the pump / heater this winter. This caused the pipes and the hot tub to freeze. The hot tub cracked. Under the above HO3 form, can you determine if there is coverage for this loss?

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