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Last Post 09/23/2010 9:21 PM by  Ray Hall
HO3 - Weather Conditions
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09/23/2010 6:54 PM

    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.
    Steve McGraw Professional Adjuster
    Ray Hall
    Senior Member
    Senior Member

    09/23/2010 9:21 PM

    The HO 00 03  10 00 can be complex reading unless read  you connect all of Coverage A & B togather in section 1. This is the infamous 4 corner rule of insurance  contracts. Go back on page 11 and start with SECTION 1-Exclusions and you find nine exclusions and 13 small alpa sub exclusions.

    then look up preclude in the best dictionary and you will see the light bulb come on.... I hope. I had to read several pages before this answer and you gave me the starting point. Some of you wanta bee commercial adjusters should read the roof collapse section of the CP(broad) ( its excluded in front and covered in the back  section.

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