The insured has a scheduled farm structure that the roof buckled on one slope from the weight of Ice and snow. The building did not collapse, just the metal trusses bent. Would coverage under the FO362 (attached) apply to the loss? Also, would coverage be triggered had the structure collapsed from weight of ice , sleet, or snow?
The agent is saying there should be coverage under this form because it is special form coverage. I don't feel the damage triggers any coverage.
Arkansas Subscriber
The form contains an exclusion for collapse which specifically excludes any "bending, bowing, bulging, cracking, expanding, inadequacy of load bearing capacity, leaning, sagging, settling or shrinking associated with the overall Collapse exclusion. There is then a specific collapse coverage, which covers collapse from a variety of perils. However, none of those perils includes the weight of ice and snow. Weight of rain is a covered peril, but weight of snow or ice is not. Also, for the coverage to apply the building must collapse, and coverage is excluded for bending or bowing as follows:
"This coverage does not apply to:
a. a building or a part of a building that has not caved in, fallen in, fallen down, or given way even if it displays evidence of bending, bowing, bulging, cracking, expansion, inadequate load bearing capacity, leaning, sagging, settling, or shrinkage;
b. a building or a part of a building in danger of caving in, falling in, falling down, or giving way; or
c. a part of a building that has not caved in, fallen in, fallen down, or given way even if it has separated from another part of the building."
Under this form there's no coverage for collapse from weight of ice, snow or sleet. However, there could be coverage under the main form since this is an additional endorsement. There may be coverage there, depending on which form is used. But there is no coverage under this form.