What is a detached structure? It is not a defined term in the homeowners policy. Can you please point me to some material that addresses this term? Is an asphalt driveway that is connected to the garage/home to be considered in the Coverage A replacement cost calculation? If the 'attached' driveway were damaged by a covered peril would that be a covered Cov. A claim?

Connecticut Subscriber

It all depends on whether or not the driveway is actually attached to the dwelling, or simply abuts it. Most driveways abut the dwelling; they're poured concrete or asphalt that is not actually attached to the dwelling; the concrete is separate from the concrete for the foundation, for example.

An other structure must be separated by a clear space, but it doesn't have to be a large clear space. The foundation to my apartment is concrete as is the walk up to the apartment, but there's a space between them; they are not one whole unit. The walk is an other structure, even though it's very close to the dwelling. The ISO HO 00 03 states that structures connected by only a fence, utility line, or similar connection are still other structures.