I have a glass breakage claim to a residential home with a HO 3 Special Form Policy.
Based on our experts report, the damage to the windows was the result of impacts that originated from the interior of the residence. The home is not vacant and is a primary residence. It is unknown as to what impacted the windows but the damage came from impacts that originated from the interior of the residence.
Virginia Subscriber
Unless the cause can be determined, or at least be determined to be an intentional act, wear and tear, or earth movement, there are no exclusions that prohibit coverage. The aforementioned exclusions are the exclusions that would most likely exclude coverage other than war, nuclear hazard or governmental action, and those are a stretch. There is no exclusion for unknown cause of damage.
Christine G. Barlow, CPCU
Christine G. Barlow, CPCU, is Executive Editor of FC&S Expert Coverage Interpretation, a division of National Underwriter Company and Arc Network. Christine has over thirty years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter.