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Our client’s business is insured under a standard businessowners policy. He contracted to have his roof changed from a flat rolled roof to a metal gable roof. This required the contractor to cut the roof edges to install a new sill plate on the exterior block walls so the new roof trusses could be properly secured. At the end of each day, the contractor covered the edge of the roof with tarps. During the construction, a windstorm ripped the tarps off the roof and allowed water to enter the building, doing over $400,000 damage to the contents.

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