blueblur1984
New Member
- 4
The biggest specific example I can think of was a claim out of marin county (a ritzy area north of San Francisco). They had a fire which was put out quickly so there was very little structural damage. The bulk of the claim was cause by the water running through the asbestos in the walls and ceiling contaminating all of the soft goods in the house (blankets, mattresses, clothes, etc). Even the hard surface items like jewelry and appliances had to be professionally cleaned by a hazmat company at great expense.
My understanding is that the HO3 will not cover the personal property portion of a claim resulting from a non-listed peril (asbestos tainted water in this case). Or would they cover for it because it was initiated by a response to a covered claim? The home was insured under an HO5 so I didn't have to worry about it.
Again, we're getting back towards anecdotal coverage ideas and away from statistics comparing the two, but I would be curious to hear how this would be treated.
My understanding is that the HO3 will not cover the personal property portion of a claim resulting from a non-listed peril (asbestos tainted water in this case). Or would they cover for it because it was initiated by a response to a covered claim? The home was insured under an HO5 so I didn't have to worry about it.
Again, we're getting back towards anecdotal coverage ideas and away from statistics comparing the two, but I would be curious to hear how this would be treated.