Readers draft windy questions.(Claim Queue From FC&S)

Claims, February, 2004

This month, we examine some questions received by the editors of the FC&S Bulletins regarding hurricanes and wind. The first scenario revolves around one hurricane's knocking out power at two separate locations. The second examines what constitutes a roof in a situation in which wind blew away a contractor's tarp during remodeling.

Our insured's policy provides loss of income coverage with a limit of $25,000 in any one event on loss caused by damage to overhead transmission lines away from the premises. This is included at no additional premium in the body of the policy.

The insured maintains offices in two different dries. During a recent hurricane, both locations incurred losses from power failure, with the total loss of income on both exceeding...

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