I know the basic evolution of the homeowners polices from the old line number forms to the present day version. And I know that many items from the older forms have been discontinued or greatly modified. Using the HO3 10/00 as a reference, we find an exclusion for "Weather Conditions" (Section I - Exclusions, B1, page 12). Exactly what is the purpose of this exclusion? On first reading it seems to exclude all wind, hail, lightning, etc, items previously covered in the form. There must be some reason for it's inclusion but I am at a loss to explain why. The exact wording is:
"1. Weather Conditions. However, this exclusion only applies if weather conditions contribute in any way with a cause or event excluded in A above to produce the loss."
Huh?? I've read it several times (fast and slow) and it still seems to be nothing more than a group of words gathered around a subject with a verb or two thrown in for good measure. In order words, I don't understand what the writer intended.
Any thoughts, rumors, or opinions would be appreciated.
Sincerely,