Dock Damage
My Insurance Policy specifically states no coverage for damage to docks caused by ice. After paying a substantial premium for the policy, I assumed the dock would be covered.
My question, at the time, what is covered? I need to check again, but my agent told me that would be the only exclusion.
I had very good luck using an insurance adjuster in the past for water damage to the interior of my house. They use professionals, prepare a damage report, and cost for clean up, repair, and other expenses incurred. They usually have a working relationship with the insurance companies.
In your case, the insurance company declined the claim, I would consult an attorney familiar with real estate transactions for waterfront properties. Unless the policy outright declines coverage for your dock, ask what is covered.
I believe the insurance company will not want to defend their absurd position in court, and prefer to settle.
Cobalt
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