Quote:
Originally Posted by winterh
My dock looks much the same as the pic above. I called my insurance agent who told me I was covered. She then called me back an hour later to say the underwriter pointed out the language in my policy that excludes ice damage. The language was there so maybe I should have read the fine print. I am with Nationwide, is this standard on most policies?
Working on getting a price now but what might I expect to fix something similar to above?
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That exclusion is part of the HO3 Homeowner policy coverage and applies to Coverage A (the main structure) or Coverage B (Appurtenant Structures, which are buildings or structure not attached to the main house). The exclusion, in part, applies to Wharves, piers, docks, etc..
Unfortunately, the Insurance gods giveth, and they taketh away, and sometimes even giveth it back, and could taketh it back again. Policies are not made by Insurance companies, they are basic forms which have been modified by legal opinions, and hence are more written by Lawyers and Judges than by Underwriters and Actuarials.
