• Collapse Coverage for Pipe?

    Collapse Coverage for Pipe? Q An insured experienced a sewer backup and called a plumber. The plumber ran a camera down the drain and found that the pipe had rusted and collapsed. The insured is covered by a businessowners policy, BP 00 02 12 99 . The BOP form provides coverage for collapse if...

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  • Personal Property of Others under BOP

    Personal Property of Others under BOP Q Our insured is covered under a Businessowners Standard Property Coverage form BP 00 01 01 97 . While at the insured's location, a customer's car was broken into and personal property belonging to the customer was stolen. We submitted a claim for the...

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  • Scrap Wire Covered as Personal Property

    Scrap Wire Covered as Personal Property Scrap Wire Covered as Personal Property Our insured has the BP 00 02 12 99 (Businessowners Special Property Coverage Form) with endorsement BP 07 06 04 00 (Contractors' Tools & Equipment Coverage). The insured recently had a theft from the building of...

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  • Computer Data Loss Covered by BOP?

    Computer Data Loss Covered by BOP? Q Our client, a tenant insured by form BP 00 02 12 99 , had a loss to his computer hard drive and data, and also to his floppy drive, resulting in a need to repair and rebuild files. The loss was a result of a fire to the adjoining building. During the fire...

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  • Replacement Cost Provision in the 1996 BOP

    Replacement Cost Provision in the 1996 BOP Q I'm adjusting a claim that is covered by an ISO businessowners policy form BP 00 02 01 96 . The Loss Payment section of the form states that, if the limit of insurance applicable to the loss is less than 80 percent of full replacement cost, the policy...

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  • Water Loss from Swimming Pool Covered by BOP?

    Water Loss from Swimming Pool Covered by BOP? Q We insure a local country club on a businessowners policy (BOP) with special causes of loss. Recently, a pipe leading from the swimming pools broke and water was lost out of the pools. The insurer has denied the claim, citing the provision that...

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  • Water Damage Exclusion Not Applicable to Sprinkler Leakage

    Water Damage Exclusion Not Applicable to Sprinkler Leakage Water Damage Exclusion Not Applicable to Sprinkler Leakage Our client has a special form, businessowners property policy for a large industrial building. The building is a manufacturing plant that has a typical fire suppression sprinkler...

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  • Replacement Costs Defined

    Replacement Costs Defined Replacement Cost Defined Our insured has a businessowners policy, ISO special form BP 00 02 12 99. In August, lightning destroyed the computerized phone system to the extent it cannot be repaired, and must be replaced. We have located a used reconditioned phone system of...

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  • Water Loss to Boiler

    Water Loss to Boiler Water Loss to Boiler I have a businessowners policy covering a building I own. A pipe broke in the building, and the water from it destroyed an unused boiler in the basement. The boiler was not connected, but was kept operational to help defray the expense of the...

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  • Freezing Claim Covered by BOP?

    Freezing Claim Covered by BOP? Q Our insured is an engineering firm covered under a businessowners policy (Form BP 00 02 06 89 ). The facts of the loss are not in dispute. The insured stored test kits in a refrigerator. As one of the employees used the refrigerator, they apparently hit the dial,...

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  • Water Damage to Roof?

    Water Damage to Roof? Q 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...

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