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Home My WebLink About96-00033 ""lj .~ ~I 11 , :3 0.. I . 1 ~ I i ! . ! I j " I ~ 1 ! , , 1 . , I i - I . - 3 \ , ; i " I. I . i I . t; i r I 1 ' II ! I ! / , I , i ~ , " \ I ~ I i I J I i , I r() r0 I \0 I a; ~I I I I r... r.... 7" - tJ ~ ~ 0 a ;l ~ ;J ~I.-j \.i .. ~ \ ~ ., ~ -..-.. , tr. ,.... ~ ,!1 0 .. d~ - - ~ - U:.;;;I ..,; ,', 0-" 0 r') .;;: r: :....i~) ~ I -);;'" :;: ::5~ .:.:1" r-= -. ~q IL -" 0 OJ) ::> 0> u 'I- ".IIl. .. Commonwealth of Pennsylvania County of Cumberland Terry B. Wilson and Carol L. Wilson, husband and wife 1312 Sadler Drive Carlisle, Pat 17013 w. Court of Commoll Pleas PW Group/Providence Washington Group and York Insurance Co. 1 Old Stone Square Providence, Rhode Island, 02901 No. !!~:I=!-9j.XU_1.~tJ!In____u___nun_ 19____ III _ __ _n ~ ~ yg_~9_t..-i(,m:.klJ.lL_____ n__________ To -PW.-GnllulLPrmciden.ce_WasWngtcn_Gmup and York Insurance Co. You are hereby notified that Tel'X'l_a... Jm.llQD_ and. CaroL.L~ - Wlson..l312.-Sadlw: -Dr.i.w._ .ca.J..isle..-..Ilii._ ..1.'20U__ __ _____ the PlainliCl hIlS commenced an action in ----CbdJ...Law.__________u_____n_n_________________n against you which you are required to defend or a default judgment may be entered against you. (SEAL) ,__L~~_S._~e~________________________ Prothonotary Date ___~~~_qtY_;L________________ 199!L_ () f) By --~~JfL~c-JCL.--IL!1~eg~-~:----------------- Deputy ~ ~ I J ~ ~ . o-l S ~ ~ Q) M ~ .S .... u ~~ &i . 8 - ~8 J ~ ~g ~ 8 ~ ~ ~ ,~ I ' ~ i ai.... . ~~ ........ III i~ I ~.... Ul,~ '" i N,-jO :I ~SEJa~ ~ if:2 ---.. t " " >. 0"1 ..- l;~ LO r~; ~; 0 a, :~":);5 ~( ~~i' ~-' '- ;'_"1:.:1 \. .L1L. ;- cr'l . ffl N .... ._'~ :::".;. E\'. C' ;'j(;J F- I....' ::n. u. LI. 'I) :~j Cl (Jl CJ COZEN AND O'CONNOR By: Michael A. Hamilton, Esquire Identification No. 71266 1900 Market street Philadelphia, PA 19103 (215) 665-2751 Attorney for Defendants PH Group/Providence Washington Group and York Insurance Company IB THB COURT O~ COKKON PLEAS OP CUMBERLAND COUNTY, PBKNIYLVAHIA TERRY B. WILSON AND CAROL L. WILSON, husband and wife 1312 Sadler Drive Carlisle, PA 17013 Plaintiff : CIVIL ACTION - LAW : NO. 96-33 CIVIL TERM v. PH GROUP/PROVIDENCE WASHINGTON GROUP AND YORK INSUPANCE CO. 1 Old Stone Square : Providence, Rhode Island 02901 Defendants PRAECIPE TO PILE COMPLAINT TO THE PROTHONOTARY: Please enter a Rule upon plaintiff to file a Complaint or suffer the entry of a Judgment of Non Pros. /# M hael A. Hami ton, Esquire A torney for Defendants, PW Group/Providence Washington Group and York Insurance Company Dated: ;J- }.,:J.e J7( I f >- m "- (,; If) f.-: r., r'~ if. '.r' lll~; ,~ j:1 !-r.'- ~~' -" C m : ~ J ~ 1;.' u.... (-.) "'... J . c-J :iij'.J [tl' . . II I ~ \': 0- F' u- l'. It'' :;3 0 0\ U 6' 0 :- . c:.l t: ~~ .. :)"1. l-!.J;;? 8 ':J:": ( ...; .).. fe. ~ "';'~j ~rc " C'\ <~,? I l- t" '. , Ei:" r":i Jc.j iL w.. ::ju. L... Ll. 13:") :.:5 u c;; I '-J TERRANCE B. WILSON, and CAROL L. WILSON, Husband and Wife, : IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Plaintiffs V PW GROUP/PROVIDENCE WASHINGTON GROUP and YORK INSURANCE CO. Defendants NO. 1996-33 - CIVIL ACTION . . CCHPLAINT Plaintiffs, Terrance B. Wilson and Carol L. Wilson, by their attorneys, Broujos, Gilroy & Houston, P.C., set forth the following: 1 . Plaintiffs, Terrance B. Wilson and Carol L. Wilson, are adult individuals residing at 1312 Sadler Drive, Carlisle, Cumberland County, Pennsylvania. 2. Defendants, PW Group/Provident Washington Group and York Insurance Company, are insurance companies licensed to practice business in the Conunonwealth of Pennsylvania with principal offices at 20 Washington Place, Providence, RI 02903. 3. Defendants PW Group/Provident Washington Group (PW) issued an insurance policy to Plaintiffs with coverage provided by Defendant York Insurance Company, said policy being issued on October 5, 1993 for a one year period expiring on October 5, 1994. The policy number was BRH 4433726-02. A copy of said insurance policy is attached hereto and marked Exhibit "A". 4. The insurance policy provided standard homeowners protection relating to the Plaintiff's home located at 1312 Sadler Drive, Carlisle, Cumberland County, Pennsylvania. 5. During the late winter of 1993 through early 1994, Plaintiffs experienced a variety of weather related damages to their residence at 1312 Sadler Drive, Carlisle, Cumberland County, Pennsylvania. 6. In early 1994, Plaintiffs advised agents of the Defendants of the weather related damages to the Plaintiff's residence. 7. Defendants designated Pat Bonanni of GAB Business Services, Inc. as a claims adjuster for purposes of handling Plaintiff's claim for insurance coverage for the mentioned weather damage with a claim number of OOOP00326. 8. The mentioned Pat Bonanni referred Plaintiffs to Vennis E. Mitchell, tla Mitchell Restoration (Mitchell) for purposes of Mitchell perfor.ming the necessary repair work to the Plaintiff's home. 9. The mentioned Pat Bonanni worked with Mitchell with respect to preparing estimates and authorizing work to be performed on the Plaintiff's home that was required for repair of the weather damage. 10. Defendants have reimbursed the Plaintiffs various monies for portions of the work that was required in connection with repair of the weather damage. 11. Despite repeated demands, Defendants have refused to reimburse the Plaintiffs for the following work required that was as a direct result of the severe weather damage to Plaintiff's home: Hall bathroom flooring $ 621.70 Master bathroom flooring $ 588.40 Master bedroom carpet $1,671.90 Tape and texture of ceilings $ 874.90 Replacement/repair of wall paper $2,479.21 Additional damage to roof discovered when shingles were removed by Mitchell Carpet damage for carpeting in game room, living roam and dinning room Contractors overhead and profit - 20% $2,738.32 $3,704.60 $ 846.38 $13,525.41 12. All of the damages and work required as set forth in paragraph 11 above constitutes repair work necessitated by weather damage to Plaintiff's home which occurred in late 1993 and early 1994. 13. Said damage was an insured loss as provided by the insurance policy issued by the Defendants to the Plaintiff. WHEREFORE, Plaintiffs request judgment against the Defendants in the amount of $13,525.41 plus interest and costs of suit. " ~ H b rt X. Gilr y, Esqu re Attorney for aintiffs Broujos, Gilr & Houston, P.C. 4 North Hanover Street Carlisle, PA 17013 717-243-4574 I verify that the etatements made in the foregoing document are true and correct. I underetand that false statements herein are made subject to the penalties of 18 PAt C.S. Section 4904 relating to unsworn falsification to authorities. ~......_~ J~ TERRANCE B. WILSON ..-- I verify that the statements made in the foregoing document are true and correct. I understand that false statements herein are made subject to the penalties of 18 PAt C.S. Section 4904 relating to unsworn falsification to authorities. " L ~1 /," " - '" . ",.--. L..-d.-t.-t'--! ,q~ 1,.1 .&/<2-t'~ CAROL L. WILSON I. YOUR HOMEOWNERS POLICY QUICK REFERENCE ... , ; " . DECLARATIONS PAGE YOUR NAME LOCATION OF YOUR RESIDENCE POLICY PERIOD COVERAGES AMOUNTS OF INSURANCE DEDUCTIBLE IlFGlNNING ON PAGE AGREEMENT 1 DEFINITIONS 1 COVERAGES 2 PROPERlY COVERAGES LOSS OF USE ADDITIONAL COVERAGES DEBRIS REMOVAL TREES. SHRUBS AND PLANTS CREDIT CARD PERILS INSURED AGAINST 5 EXCLUSIONS 7 CONDITIONS 8 INSURABLE INTEREST DUTIES AFTER LOSS LOSS SETTLEMENT MORTGAGE CLAUSE COVERAGES 10 PERSONAL LIABILITY MEDICAL PAYMENTS TO OTHERS EXCLUSIONS 11 ADDITIONAL COVERAGES 13 CLAIM EXPENSES FIRST AID EXPENSES DAMAGE TO PROPERTY OF OTHERS CONDITIONS 14 LIMIT OF LIABILITY ,'. , DUTIES AFTER LOSS CONDITIONS 15 POLICY PERIOD CANCELLA TlON NON,RENEWAL SECTION I YOUR PROPERTY COVERAGES . , SECTION II YOUR LIABILITY COVERAGES '~:?,,'~.";: ' . :l,~ '. . ..; '..:~ c" .'.~ _\ . ",>,. ,.,'," . . $~CT,iq"T', 'J '....ANP,..'I: I ".\' sEct.O'H':.. , , .-'; ;:_~)::~!. .,'.~ .-\' , :;1 . In Witness Whereof, we have caused this policy to be executed and attested, and, If required by state law, this policy shall not be valid unless countersigned by our authorized representative, 1Jt.~ ek!Julw.- S('cr('I' EXHIBIT I -A-- ~~ 5:'1'+01..{ I',,'sic/<'III PART B DECLARATION PAGE ..-.::::: 111I~;Il!I' 14 '1 "I L ,; \01 N .: !l. 5 POL 1 C Y :I~' "AL f)"CLAkATI")~I~ * f'AYMEf.T ~'U~T fll: ~E(dVLU 'Y ~l: eQ~p^~y .y 1)/O~/9J T~ CUNTINUE youn :;\JV ~':"~GI.. l'~' "A~n_"'I';I't Ii'" riIL3U~, T:R~n~~E c ~D. '.'.tL l. 1~1l ~ADL~~ O~I~- lh,lLISLE,PA ".T. DUNN 1"3., I'K. 200~. MAI,~ ST. MECHANIc)au~u, ~~ 17JD 11:5~ - " T:E I';LNIS~S C,JV~~cl 'Y THIS P iury IS L:IC,\TED AT THE AbOVE: 4DDK"SS. ;Gi'" ,",'.' ..,..")i '''; ,;','7.' ~'.~_f'.. . .':'.}~):'f..tr~ "'.-\a::-.- 'J' "'''k'''~ I' Ie ;: .... ;, ~~ 'I, 'i~'" '.ATrW~ INFG.'MAT! 1"- ,\UI,~.~ATIC V^LJ_-UP AT ,.~rJEWAL, MA3'Jf,LY, CIJ,~ST~UCTf'J 1'1 1'/"", PI\I~'A'Y ,~2SI Ji:t.Cf:, o~ IT..CT In', CLASS u5, T=~i(ITOi<,Y 33, FeET ;:I'.O:'! HYDRA,H 'jOJ, '2~j SEtTlt.PI I LjS~ Cf:CUCTIBLE, 1 :=MIILY, PRr:,~IIJM '~kOUP 15, ~'IVf:r.A:;:: AT Flf. f.':'l'V= LIA~1LITY IS 5n~WN 1K 3,;':'TI1N I ';,"'1C:'c\G: -'. 0 ~ElLiN~ ~. ;T~fK ST,UCTU:~5 C. PlRSCNAL PR)P:R~Y .l. L(]~S ,~c l')_- ,~CTl'l\ II C""E.....(;, F.. ~~::..Suri:.L LI ',BIUTY F. ~~~ILAL ~AYM~lTS fJ Ofn~k~ - T'Jl"L UASrC PP,"~lrlJ~'1 - - - - - - - - - - - - - ~D.)IT1UN.\L Pr~::'111I'~S A:,O CF.i.:UIT3 ~l~CELLA~~OUS ENDORS2KaNf ~1.0U feTAL ADDITIONAL P~E~IU~S - - - - - - - - - - - - - 51.00 T~TAL ANNUAL PREMIUM - - - - - - - - - - - - - - $334.00 PJL1CY prRl.1fJ- 1Z:01 A'\ jTMIOAi\) TIME AT Till: Ri:SIDENC!' DRElq~p-::' -::fjJ(' r~~,~;~ 1\\ , ~:;C., IuS'; l.]CAfIL:tI. rs n~()VIDED or~LY ,;'1EiU: A LIrllT UF ~ ?R~MIUW IS STATEO LIMIT OF LIABIL!TY ~177,~OJ ~17,700 l:~, ,70fJ :J5,500 nR~~IU"S 531'1.00 ~5J~,aOD EACH JCCUi\~~~~E ~1,OOQ EACH P~RSON a't.().~ ;,333.0t' :10,'. Tc;\',F.1: YURX FEOE~~L SAV & LN AS~JC ITS 'iUCe f./ Ji'. AS 5 1 SNS H 1.0\,\ P ~ ~~X ~-~5, 1Ul S G~U~G~ ST YURK, Pol 17'i04 Fa~~s AND ~NDOKSEM~~T~ - HJ-3 J4/H4, Hu3JOPA 04/93*, H8291 Ol/El, H~3l2 09/87, 110350 1'11:>7, WH90 01/37, Hl.21o 04/CIt-, U5471 01/87. ,~... ,.. ~ ---CONTINUED ON NE~J:~:~~i:~-- <Ii: . 'f, "."j: ~ l.lI. . ti-' , !'. /: .,~l , :-,:~\:~!~;'::; . - , I l~ PART B DECLARATION PAGE A ~1;IlIIUII ~/' YaM E 0 W ~ f R S P ~ LIe Y RE~lW~L D~CLA~^TIUN5 * PAYM~~T MUiT dE RECEIVED i,Y T.li: Ca~\PANY ,IV lC/O~/93 Tll CLl'HINUE YOUR CUVI:RAGt:. "..,tU."I.:!'I"-" IO\lOj ,. , ",,'i' . . ,1".1,. ")111 1111 Ih, , ~ III - ~ It t . . . ',.'1 Hom.owllen 8 Speclll Form .'1, Ed,4'84 AGREEME'NT' 'H'Ilir 11'1.' jl'I, :<i"L\Xil.l.PL~ilb:. tI.uumUtilflc.e de~c(jlle.tJ.uL1lli:i.IlQJICl/JaIJllLlrn tor the premium and compliance With all applicable prOVISIons 01 th" pO"W!.l':lo !\ ,', J 'J In-'' '0( l' a 3 q 11;. ." '.. l,'''~ ..". _ '; \...:..al.'-",I_ ....~, ,..n .'" ,. ,,_,.. .. . .J", ,'J" DEfiNITIONS 11 . f I:(].... ~ll..jfl)J" . t . !. I'! "'" " " .~' I ,,.. . II ~ I : I., -,;'" f' 'I" "Jf"'" "., In 1I1IS wiley" ~:Y9u" and ':your'.' relena the . 'ilam~d lI1~urcd" shown on the Declarahons and the spouse II a rosldonl 011 the ~~11,10 hO/.lsol1old. ':'10;' "us" and ",o.ur" Icier to the CoInP~riY~o'ovICllIig'tliis Insllrance. In'additlOri, certain words,,!),\! phrasos arl! def,ned as lollows: ", ' , , '. I" 1, "bodily InJil~"" rheans bo'(j,ly harm, Sickness or (2) wh,ch 's acqUIred by you during the policy dlsoa~e."hc"Jdlng rl!lllllr\!d eare,'loss 01 servlce~ '. penoillor your IIse.as a'resldence;' .. and'death'1hllt'rcsults: t. "'Jill "'1hl,0, . ,. .,.. ,Ii.,. .-" ,c. anypreo:n'se~used:~Y~'Ui~,C,f!~n~f\IP~,~itha 2, ':bll.ln.....,IIl~ludes t,ade, proless,on or occupa. premises In a or b abqY~;"lll"'; ""."" lion. d 1 . " , ,. . . any pari 0 a pre,mlses: ',). '..,' 3, "Inlur.d:' means you and reslPenls 01 your (1) not owned by an In'"reili'llhtl' , , '" household who are: . (2) where an 1n'.u~lId 'S tel\ipl:lr'l!lrllyM~1d'oh'g: I I, "e.'" vilcan'i lariil. other than larin 'anlt. owned by or rented lefan Inlured: p; I {';!" 'I ',I ',> :, I J", '\'Jf,',' .,1 :1. t. land owned'by or rented:,tol an In.llr.d. on IYhlch il one Or twp f~'1)i1y',I!,wel'ln&. i~ b~iog buill as,a residence for Pf1 r",~~I',~'. ,,', , , g. ,nd'Vldual or family cemetery, plols,or bu~ial vaulls of an In.ured: or '1( ..H "'!'~I'" .t' .,. ,,") qrlV'W '11 "'1:!' I h, any part 01 a premises occasionally rented to '.. "an ';,.u~d lor other tHArfb~I"eii.tJsl!,- ~ Iq ,- '-. "'.r l':'", i;- "".' Ij'n..!; C)rH t(". "'I.,l'.t 5. "occurr.nce" means an accld,~li:jnc'udlng : exposure to conditions. which re~ults, during the "'. "polley period, In:' ,. "'I \'I!1nr:1l 'r 11"11, !.,' 'J, , t -tl ~ '; 'II ;)1': I (. I" l IL,: .1~'B'. I bodlly'lnJllrYI or. "if, .l,nt to: ","', ., \"". b. property damage, \ ,.I'(h:tll, t ~TI"\ I~h-:~' , ;I. .'1'.< ,'j .', .o!lo'l....:> i::>M'3 \'(1:) 6, "prop.rly damlge'.' means, physical injury to. "', 'desthJctl'on'cif. or loss 01 use oflargible projierty. 1;':,~. 1.\ rJl,,),/, ,.,d , . .~ ....l'r. ~' II ,,!Iii,'. IHH.lnl 7.\ Iltrelldence'employeell,means::J 1"'.'4 fl". " ":"l'~''J'I' a.. your r.elatlye~; ,or , .! ' :i' "~d.' . ')',' I .., , .,' b. other p'ersons under l/:1c age of 21 and 1(1 the ' care 01 any pershn named above. ' . Ul)der S~,chon II" '~ln~ured",~lso means; ;" ,I c. 'wlth"respeCt to animMs or watercrall to ..\'i/1ic~ t<~i,~Rol'cy applieS, any persqnpr org~. nlzallon legally responsIble for lhese anImals or watercraft which ijr,e qwnedbyyou ~r arIY person induded In 3a or 3b above, A person or "organization uSlnllllr having custody o'.th~ 'lnimalsol'! watercraft'in the course 01 any bll.ln~.t~r .vl'lthCJu.'.~onsenl of.lhe,q)'lrer is not.an In.llred;" ,1,.\ '. ,U. " "__, " .., (j; 'wi'til r~~plil:tio a'ny'vehicie to'vJi\ich thYs . i:', 'prilicy'ap~lies: ',' :)I'~ ,":,;:, "H '. ....,r~.~ ,r,~~''''~\.\h~I'f:I'::'. .kil;'!I.,.!I',,'I."'."1. :I.W ,'OJ' '.' ~ N.) pilr6ons'while.engaged in your employ or . that'ol any person Irrcluded in 33"or 3b . above: or. ..F-~lm:l1q L':l"ehllfn 11 . '1U V''''.-;." (I;"..:'~:i.e "~un Vf1~2))btl\1!r.rpt!rsonS'IUsio'lg .the veh,cle 'on an " ' lri.ured 10c.lIon with your consent> '.ctn~q"'ti;tidlloc:lttfon"'m'eans:" .,1 .. .:2':i .01 "I ,~., '. ,;1 ..'!!" III 1(" t'_']I: ,'-'I ;1 l <f!'~HT1U'ICl a. the reildence preml.e1i ,l,o"h'd,', " b. the part 01 other premises, other structures and grounds us~d by you as a reSidence and: (1) which IS shown In the Declarallons: or ,.0.3 E/JE4'84 . - , , , . ' 'a.: '81:\ employee of an.ln.ur.d whose.duhes ad! " I "related to the maintll<lilnce;O/ USl!lol.lhe,rlll. dence premlaUl, 'ncludlnll household or : d6mestlc'seliilc\)s: or '.'h"~l1 ;, , ';, t, .S 1':"1. ',1'" ',' . 'J '.' I ," 't'\ b. one who perforlllS Similar duties elsewhere not related 10 the bu.lnen 01 an Inaured, :Collyroght. InSUI;ilIlj:I"6ervlccs QII'l1e.'lnc.. 1984 ~aae.J.o'i~ 8,"I"r"ld.nce premllos" m";II'" "t, 'ld ll.'')~ll ~ ,.,~ ji' I Il1e one family dwelhl1.~. other 'Jlfuctures. .Uld ground!:.. or b. that part 01 JIlY other bu,IOIIIU, where you resloe allO wt1l<:h ",howII ii' th~ "rell. dence premltel" III the Decl.""llOlIS . . I ' "Relldenco prom lie," oIho IlltJim~ it two 'ilJ1l1ly c1wp,tl. IIlg wlww you ,e',ItJe III ill h~a'" one or t1H~ family lU'II') ,1I1e! wlllch 1'1 '1110\\111 ,I'J the "relldence premlael" III tile Oet.I.If.l t lon~ " SECTION I-PROPERTY COVERAGES . , COVERAGE A-Dwelling We cover: '. . t..1 '. 1.. the ,dwelling 011 IIle relldenee premll" shown III the Declarallof15,lI1cluulng structures altached 10 the dwell,ng: and . " 2, materials and supplies located on or next to the residence premlles used to cOllstruc\. alter or " repalrtlieMwelll'ngot other structures on the resl, dence preml.... . . , . ThiS coverage does not apply to I"nd. IIlcludlng 'a no on which the dwel.'lng I~ jpcated. COVERAGE B-:-,Other ~,tr-llJ;'Wel We cov,er ol.her str,uctures 00 the .relldenee prell'llles set apart from the,#.\Ill\l!mg,by clear space. ThiS Includes structures connected to the dwelling by only a fencol.utility line.'or similar .connectlon, This cove~aE\ed6~s ~ot apply io land, including land on which the''Oft\~t'shuctures are located. We do 'nor cover other structures: ~'11,. I . . 1. used in whole or in part for bUllne..; or I ~ . ' ; '. \ 1':',' . I 11i'" , I ' , ,! , 2. renl.ell.~I!lftId,IR~ rli\~t.al to~ql/,'Rer~on not a tenant 01 the dwelling. unless used solely as a pri- , . 'vate garage. " .., ,j '","l'IIOJ<:" t , , ~ i I! I..!, .. t IIJ .. ',,' .'" .,.' ..' I. ..' : I '.. I, . . The limit of liability for this coverage WIII.not be more than 10% of the limit of liability that applies to Cover. age A, Use of th,s coverage doe5;"'lI~retluce the Cov. erage A limit of liability. .1','4;. .,r: '01'101<1 COVERAGE C-Penonel Property ~,~ co~er:PI!~~q~al prop~;ty 'O\vg~~ .~;~~pW.ilY ~fr, Inlured while it 's anywhere In the world AI your request. we will cover pel~onal'P.nope't)'lWlned'by.\ 'lv others whlletheJproperty 's on the part 01 the 'lIo1re"dence preml... occupied by an'lnlured; 'I: ~ 1.-.1", ' 'I I.., ,:: .i'I}-'dn,!J1Q 'J'#r1lb 2, a guest or a realdenee employee,.whole, the prop. erty is in any reSidence occupied by an Insured. ..,.,', b'Jl'" ',1 I"' 1.'. 'I>'e.e 201-1'5 Ou~ Iorriti 01 llilhlllty lor personal property usually located at an Insured's [cs'dcnce, other than t.he rell. dence premises, IS 10% 01 the Iomit of Ioablloty lor Cov. erage C. or $1000, whlchevt!r 15 grealer. Person"t property In a newly acquired proncipal residence is not sublect to Ihis'lIInllalion lor the 30dll>yslrom Ihe time you begllllo move the properly there, It . , " '\'1Ulfll \' 'lnl. Speclel Limits of Llebll\ly, The~e ,lImils,do not Increase the Coverage C Ilm'l of .Iiabllity.. The speCial Iomlt lor each numbered category below IS the lotal limIt for each loss tor <III property in"tfTaI'Catolgory. 1, $200 on money, bank notes, bullion, gold other than goldware. silver other than Silverware. platinum, COins and medals. ' 2, $1000 on securotles, accounts, deeds. ev,dences 01 debl. lellers ~f ~rep'il. note,s other than bank notes, manuscripts, passports', tickets and stamps '. . . . , : , 3. $1000 or'l water~r~I\: :Ilic!udongth'eir trailers, fur, . ,nlshongs, .equlpment 'lnd putbpard molars. 4.$iOciO 01') iraller~ not U~~d~lt,~'."Y'aterctafl ~:' $1000 on grave markers.. ',.' " 6,. 1$1000 f~~:IOSS'bY th~ft ~IJ~~~!;Y. w~t~hes. furs. precious and seml.preCIOUS. stones, . 7.' . $2000 io'rl~~s' by th~)i 'Oftflr1\9rms:;'"d 8, $250P I.or lo~s by 'l1~ft of ~llue(ware,,~"ver'plated ware, goldware, gOld'plallld,)l/are and. pewter. ware. ThiS ,ncludes flatware, hollowware. tea sets, '. trays and trophieS made of.or including silver, , 'gold or pewter.... ' " , ( , ~ ' 9, $2500 on property, on the residence preml..., used al any IIme.or"nany'manner for.any bUll, nell-purpose. :lOlfr.;l~" b:'1ulni 10. $250 on property. awa~lbtClmotite'f1'I'deno. premll8l. used at any time or lIl.any manner for any business purpose'.'l1Q ....,,,"1".'\11. . "'. "", 1. '. ,1. Copyright. InsUrance SerVices Clllice. Inc.. 1984 HO.3 Ed.'. 4-84 motor vehicles or all other motorized land con. veyances. This includes: , ,. " "' a. equipment and accessories; or I" any device or Instiument for the tran~milling. ....1 recording, receiving or reproduction of sound or pictures which is operated by pOwer from ,ua the electri~al system of motor v, ehides or all ' r- C~, other motorized land conveyances, including: >on (1) accessories or antennas; o~ s~ ti~, " (2), tapes, wires, records, discs or other media for US!! with any such device or in. ,$ . strument; , , L' , , ~ '" leQ/IY,hlle In or upon the vehicle or c9~~~ya~~e.. }~ W~ 'do cover vehicles or conveyances not subject ;'1tl, :~ '::~o;, :::~~:,;:~~I;::i~:;.~i:~s~;:~ce;' or b, designed tor assl,st'iI;g the ~andicapped; n aircraft and parts. Aircraft means any cantri. bJ vance used or designed for flight, except model or I hobby aircraft not used or designed to carry peo. r pie a~cargo; ,,' \ , prot!erty of roomers, boarders aria other tenants, I ~xGept property1o/ roomers and'bbarders related tc)'an ';'Iured; . - " \1 '/ 'i,', ,. ,I 'l~" I ,; I' I' ;.. . '. ' ,_" I I', 'I l1I.9IH!r,ty In anlaljl.~rtmIlJlt regul~rWrS'Vp'd or held ,flir,r,ntal.to 0 ~prs,~~ an J.nlur~~: ." property rented'ortield for rental to otl'1'ers oft the , IJIJd.nc., pr'II1"~I: " " .' ';r'l' ,'.' 'lll,":"t I. I "1"11 ,~. . boo~s orap,c9unf, drawl~gs~Or other paper records; 0' , '_ ,;1:' ~':l," ,vt . q,., e!llctr!lnl~ data P~9c~S~i':l~,t~p~~, )'yire~, I """r.e~or,d~l.dl~sOr91~~r. s9/~~a~e,rnlldla, ' 1 cllnt.alnlng bUlln... data. But; we'do,o~ver the I 'opst;af blank or.anexpl.lsed records'and media; . . r I. :~, ':JtJ:'j';' ,~: !: . !:,..? t~ ." . .' b ,credit cards or fundtrallsfer- cards. except a;; pro. /' 'vicled'in Additional Coverages 6.".. " ' erPYERAGEI)-Loi, Of u~.' I"',~:, ' " " 'r ~e limit afllabllltYfor Co~e~age o'i~ lI'le total limit for ,I the coverages that follow. 'I ' . I . \, , It a 'Iass covered under this Sec'tlon makes Ihat part of Ihe relldence preml.lol'lfhere''you reside ~ nottlt to live In. we cover; at your choice, either of I' , the fOllowing. However, It the telldence preml.es , : IS not your principal place 01 residence, we will not t proVide the option under paragraph b. below. '3IEd~4.il4 Copyright, Irts'urance~ervices'Office, Inc.. 1984 p~~ Not Cov.reCt. We do not cover . u lS' . :Jrtlcles separately described and specifically Insured in this oi'dther insurance; animals, birds or fish; '",.. a. Additional L1vlnll Expense, meaning any nec. I essary Increase in living expenses incurred by you so that your household can maintain its normal slandard of liVing; or b. Fal, Rental Value, meaning the fair renlal value 01 that part of the rSlldenee premises where you r~side less any e~penses that do not continue while the premises is not fit to live in. 'Payment under a'. or b. will be for the shortest time requirea to repair or repl.lce the damage or, it you permanently relocate, the shortest lime required for your household to sellle elsewhere. 2. It a,loss covered undiir this SeCtlo'n makes' that part of the residence premises rented to others or held lor rental by you not fit to live In, we cover the: Fair Rental Value, meaning the fair renlal value of that,part of)l]ll reslc!el)ce.premlses r.~nledJo others or held for rental by you less ,any expenses that do not continue while the premises is not fit to live in. Payment will be for the shortest time required to ' repair'ot replace that part of the premises rented or held for rental. ,I'. 3. It a civil' authority prohiblls you from use 01 the relldencli,premllel as a result of direct damage to nelghb'bring premises by a Peril Insured Against in this policy, we cover the Additional Living Expense or Fair Rental Value loss as provided under 1 and 2 above for no more than two weeks. The periods 'af'lime'under J, 2 and 3 above are not limited. by expiration 0/ this policy. ;W~:q?Mt cO,ver IO,s~or e.xp'ense due to' cancellalion of a ,\,~a-.~7ia~ 'a~reemE!~~' :' , A~~j),'IQ'NALpOYERAGES 1, t Deb,., Removal. We' will pay your reasonable expense for the removal of: , "'a:' debris of covered property It a Peril Insured ~gainst causes the loss; or 'c' II: ":ash', dust or partrcle~ frOm'a ijl:llaa~ICiljruptloh ",1 "'that has 'caused'dlrect loss td a building or '..' " "prd/leity'contalned In a bulldil1g. ' l . .,::,~'Thtlse~p~nSejs'indU~~d in the lI,r,itof Iia:i?i,lity that ,/".,aJ1pliestolhedpmag,e,d property. If theamount to De paid lor the actual damage tq t~e Property plus the debris removal expense is moie than the limit '"'' Of'lIabllity for the'dama'ged property./,an addl. tional 5% 01 that limit of liability is available lor debris removal expense. I" ,Pag8'3 of 15 We will also pay your rea~onable expense for the removal of fallen Ireos Irom the relldence premo IleI il: a. co'/erage IS not afforded under Add,t,onal Coverages 3, Trees. Shrubs and Other Plants for, the penl ciluslngthe loss: or b. (he tree is not covered by thiS policy; provided the twe damages covered property and a Penllnsured Againsl under Coverage C causes Ihe tree to fall. Our limit of liability for this cover. age will not be more than $500 In the aggregate for anyone loss. 2. Reeloneble Repelrl. We will pay Ihe reasonable cost incurred by you for necessary repairs made solely to protect covered property Irom further damage It a Peril Insured Against causes the loss, This coverage does not Increase the limit olllabll. Ity that applies to the properly belt;lg repaired 3. 'Treel,'Shrubl end Othltr Plenll. We cover trees. shrubs, plants or lawns, on the relldence premo IleI, for loss caused by the following Penis In. sured Against: Fire or lightning, Explosion. Riot or civil commotion, Aircraft, Vehicles not owned or operated by a resident of the relldence premllel, Vandalism or malicious mischief or Theft, The limit of liability for this coverage will not be more than 5% of the hmil of liability that..applies to the dwelling, or more than $500 for anyone tree. shrub or plan!. We do not cover property grown for bUllne.. purposes. This coverage is additional insurance, 4. Fire Department Service Cherie. We will pay up to $500 for your liability assumed by contract or agreern~nt for fire de.~1;Irtment charges,il'c~~~ed when the tire department Is called to saVEl or pro. tect covered property from a Peril Insured Against. We do not cover Jirl1 d.~parlment s~rYlce charges if the property i~ located within the limits , of the city, municipality or.protection dislrl~t fur' nlshlng the fire department response. " ,Ihis coverage is addilianal insurance. No deducl. ible applies to Ihls coverage. 5. Prc;lP'rJy ,Removed, We Insure covered property against direct loss Iral')1 any cause .while being removed. from a premises Elndangered by a Peril Ins~reR r-g.ai~st ,and for no mO,r~ than 39 days whl\t! 'r~maved. This coverage ijoes not change th{lInjit of lIab;lity that'applles to ,the 'prOperty being r~rr\oved, ,', ," , "'" 6, CredltCard\ Fund Tranlfer Cerd, Forlery end Counterfeit Money, We Will pay up to $500 for a, the legal obligation of an Inlured to pay be. cause of the theft or unauthOrIZed use of credit cards Issued 10 or registered In an Inlured'l name. Page 4>of 15 b, loss resulting Irom theft or ul1iluthorized U,-.,J of a fund transfer card u'sed for depOSit, Withdrawal or transfer of funds, issued to or re[llstcred In an Inlured'l name; c loss to an Inlured caused by forgery or altera. tlon of any check or negotiable instrument; .Jnd d, loss to an Inlured through acceptance in good faith of counterfeit United States Or Canadian paper currency. " We do not cover use of a credit card or fUnd transfer cnrd: a, by a resident 01 your household; b. by a person who has been entrusted with ellller type of card; or c. if an Inlured has not complied with all terms and conditions under which the cards are issued, All loss re'sulting from a series of acts committed by anyone person or in which anyone person is concerned or implicated is considered to be one loss. We do not cover toss arising out of bUllne.. use or dishonesty of an Inlured, ThiS coverage is additional insurance. No deduct. ,ble applies to this coverage. Defense: a. We may Investigate and sellle any c1~lm or ,sui\,\llat we decide is appropriate. Our du.ty to d'llepd a.claimor suit ends when the amount we pay for the loss equals our limit of liability. b. If a s~lt is br9, ught against an Inlured fc;>~I!abll' ity Under the Credit Card or Ful1d'Transhfr Card cllver'age, we will' provide a dMerise at oW expense by ,counsel of our choice. c. We have the option td'd~t1md' at ou(expense an Inlurt~ or an 1lIII!red'I bank against any suit for tHe enforcement of payment undlfr the Forgery coverage. ' 7:' LOll. A~I,mment. W~ will pay up t9 $1000 for your share of lmy loss assessment charged dlJrlng the policy period against you ,by.a c,arporatlon or .association of property owners. This only.,applies when the assessment Is made as a result 0/ each , direct loss 10 the property, owned by all membefs collecllvely"caused,bya,Perlllnsuredcllgainst under Coverage A-Dwelling, olher than earth. quake or land shoCk'wali'eS"a~ treml:lts~Y6re, during pr ~lter a volcanic eruption. ." This coverage applies only to loss assessments charged againslYQu as owner or terant of t~e relldence p'r'Il)'~el." I We do not cover loss'assessments charged against you or a corporation or association of property owners by any governmental body. Copynght, Insurance ~e~v'ces Olllce. Inc.. 1984 HO.3 Ed, 4.84 -" 8.- Colle pI., We insure for direct phy*~llo~s IPlcOl/' ered property Involving collapse of a building or any part ot a building caused only by one or more of the following: .. . a. "Perll,s Il)sured Aga!lJst In Coverage C-Per. sonal Property. These perils apply to covered building and personal property for loss in. sured by this,additional-coverage;" b. hid'denl'decay;' c'. hi(l~e'Q'lns'ect ot'Verrnl~ dairi'uige; , . " . ""', _ l . 'I d. welght"o/ contents, equlpltlent, animals or people: I e. weight 01 rain which collects'on a roof; or f. use otpll!octive material.or meth,ods,lncol\, struction, remodeling or renovation il the col. lapse occurs durlnglhe course of the con. struction, remodeling or renovation. , , Loss to an awning, fence, palio, pavement, SWim. ming pool, underground pipe, flue/drain, cesspool, septic tank, foundation, retaining wall, bulkhead, pier, wharf or dock is not inchJded'Urlder Items b, C, d, e. and f unless the loss Is a dlroct result 0/ the collapse of a buIlding. Collapse ddes not Include settling, cracking, shrinking; bulglnE or expansion. This c~verage ,does not Increase the lim,1t of lIabil. Ity applying to the'damagea covered property. I ~ ' ., ..SECTION I-PERILS INSURED AGAINST ~.~ -' COVERAGE A'::"DWELLlNG end COVERAGE B-'-Ol'HER STRUCTURES :1;:.;' , ',.rl We insure against rlsk& 101 dJr.l!otloss ,to property described In Coverages A and B only If that loss is a physlcaHo&'s'10'property;: howeYllrr we-do not'lrisure loss: ~'!~' . ~11,i;';:.JI~ '\.1 :,"'.1',1(1 ~ "":.....1...1,, I.r,;,' ....:. .' 'It. . Hl - '.r" . l 1. , invqlvlrJB cqllapse, other. than a"provlded ioi Addl. tional Coverage 8; , " , 2.. caused by:' ",.' . ,./. ./ a. freezing of a plumb'ing:'tiilatlng, air condilion. Ing or automatic tire.protectlve sprlnklJ!l'\5Yl>' telj1 or 01 a household,/!ppliance, Ql;,by. dis. charge, leakage oroaverfJpl<V IrQm within the '.1.' ,., l'l(s.lem,ar jtppl!an~ ~.c, ~e!l by Ir"~ll!,g"ThIS · 'l'~' II""'" rl"M1,r, <',I I ~, " I' ~'a~CU~t~. li!PP,..~sll~a: 'Ji ' .1111, 'fIiilvCgt dS v can. I 119,cC~P~ ,Xr t; ng . ~.'~~,u,C e unless ylou have used rSSsonall1e care 10: (1) nililrifaliiht\~t'jn ih&lirulldlhii:br" ,I . . '(2)65hJt':9t~th~w~'t~'r'$Ul5lJI.Y~a.ri~~rai.r the system and'a~pllanci!'~fwaler';' '"I b: free'ilflg\ fflawlr;g,\Wessl1Ai'li~igHt'OlWatY or ice, whethe'rli1rlven~tlt~lfld '(jf ;,Ill~llo a: (1), (~6c:~: p,a,~~~'f~~:A~~qrb~_~~I~ib!.N~pOOI; I..: -'r, W)::lR~~d;~tI~~~W,!I~i~MI'~~~8~~k~\'tP:9I " '(3);-pler, wharklr~Ollkp}<) Ilf;Q ,;' "ll[lV. ',(1)01'" ., " c. theft In or to a dwelling under construct[pn, or " f 'oi n1l1terials' ari~su":oA8~ 10 'Use'i ' tl1\! 'con. struCllori"urlill'fh\! ~\fJ~llnfls f'h~~Al!1(land occupled:Mr'~I1' '.I,tl. ~"lfw'F:.:rli'; ~ 'r~~_ r"1~:11 ., '., )l"', fl, ,..' 'ld A(ll ')\,r ~,>.d d. vandalism and maiiciou5 mischief'or,b,eak. age of glass and safety glazing materials if the , dwellirlg has bt!@fi"';acSh\<~6l1m"Ofe'1K!lY, 313 consecu'tive days Im'med1ately be/brel the -"i H()'3 Ed. ~.&~ . 'I; l~ .', ~ loss. A dwelling be~'';gc'o~~i?u'dli~ Is ~~\con~ side red vacant; , '" .',' . e, constant or repeated seepage: ~r leaKage of water or steam over a period of weeks, months or years, fr~m within a plumbing, heatl~g, al~ condltlorllng or automatic fire profectlve sprinkler system or from within' a Household " appliance;." " . ..". I, , f. (1) wJar a'~d'tear, marrlng;:delerlorailon; (2)b InhV~lW!.YJ~E!,I~~e,'1\, ~efFc;~,l"~c.hanlcq\ reaKaOWn; " (~).~rn'ol!: r~.krr.~ld, wet~or:~ry';o:t;:'~' it (4) smoke from'llgrlcultural smUdging or .,irulu.Jl!Ji!loPI1r,,,,;pn&;, " " 111~'i ' '.. (5) releast;bl!ll:j..h~r/l.e gr,:QlsPllrSi1I. of ,~on- tamlnal).ts or pollutants; , . I, ~ ,~t; 1 ,,~: :''1 t"." I :, i -. I " ! , (6J, s"I1J~Ii'1~ ~~\lE~,~ng" ~~rl.r~, \~gl :bulging or " ,llx'pa~lilpn-p'~ pay.erne~t~, P!lJo,s, founda- tions, walls, floors, r.oof~ ,oJ, ceilings; or ; "I?,lrRiH!MIW1!IV,~ rl!d~n\~" !~,~flr~~or.da'r'es- rB~IJj,:,\I,~-f.!.nil,~,IS.~. '. ~1' t-9t~cf" flr,~: - fI ' )',~n~ of,t~<<;~ll ~pu~~,wiltllr #~m~~~ no.l.alher' , I Wi~.~~CIl!ffMi,(r,pm jl J.llurnliln~; ll~~llrJg, air conaitldr\l'hg or'1l!Jlbmatle~ri!-ptotectlve ;,:,".. - ~llftnJl!llr, sI!M~,m,ar hOUSllholQ'~p"ll~nce, we ,L,,,., 'f4qV/;1r.ll!s~,C;lU,~.dby the, \Ya.tpr~f1c\uding the ',' " cq~\C)~t~.aringqlJ.~ll~l;l rep\a,clnB;l~ part 0/ a hu 'L', nlbujlding,/lIl~Il~~ilry.to. rep.il.!r."lhe,~Y5tem or " , . ,app1ian"ll,,,Vw'll:Qo [\0Icpver.!~5 to Ihe system or~llpll~n!le,lrom whlet! this water escaped. 3: cxdudild'UhilC'r S'ection'I-Exciusions. Und~r Hem,S 1 and,2, ~ny ens~lng!C?ss to prop$lrty described on Covera'ges A and B not excluded or excepted in this poilcy is covered.' , , . ' r;;ppwig!,\. Insur,ljnC/l,~llryiclls Olflt;C, Inc" 1984 I?,IIM o.f.~~ COVERAGE C....PERSONAL PROPERTY ,,', ',11 ' \ '1Jl' , t' We Insure tar'dlrect physical loss to Ihe properly described in Coverage C caused by a,perillisted belolV unless the loss IS excluded in Section I-Exclusions, ;\ . ,'. :1_,.'1 : , . 1. IIr. ar 1I,htnln,. ,,", f . " ","11' 'I' 2. W,1,!d,tci~r1i, ~r hall, Thl~ peril 'does not Include lo'ss to the"property contained In it buildlngcillJSed byrB,n:sr'low, ,sJe!!I,/s'\QGflqr \lust unl~s.s the dlreFt torce ,9,1 wind or hal damages Ih/! bUilding causing an Opening in a roof or wall and the rain, snow. sleet'. sand or '~~st ~nt~rs l.hrdii"h this ppening .,' This perri Includes loss to watercratl and their trailers, furnishings, equipment, and outboard ", ,motors, onlY,Whlle inside aJullyen.<:Ips.ed.building. 3. Expla.lon. Tt'!J,i,.\j:.t ,'.Bi;:J;1. 4..,R,i~rci~!Vn~~m,Miil,i~~. " ',:~~:'~-" 5. Aircraft, Including self.propelled'mlsslles and .~~aFe,cratt..,." . ' I" I'" I;' V.tlle'", 1,. . '" ',11. I: " " I :"~.' II " '. ~< " 7.,,'l1C!~" meaning sudfien ~nd accidental damage , ..from srnq~~j,." !""', ""'-i' This peril does not include loss caused.by smoke :r~~:~jl,~!f,~ltural ~mud~i,~~ or i~~u.strlal opera. 8. Vandlillllll'iW'",allcibul riil"i:~I~I" .. II. Th.ft. In€I~PI~&j1ttemP.ted thef\ and I~ss of prop. erty fr6h1 ~kii'o\Yn plaee When It Is likely that the propertY,ha',been'ltolen", ,1,-. ,\. This peril does nrinlielUde foss' -CaUsed by thetl: ''''a}o d6rTio'tlltYlJd by1lh 1Hiilllidi"" .al', I I ~ I .t) 1(' I~Hc',! V' '-'!aillll.ld . . ,q, ,In IO~ t.!? ,a ~Wel(I"B u"der ,~an,~trl!c!!on, or ot ' ''''J/rlatilf'lall'llnd''u~plhlsf6r'Ule'ln the con. (1':IlJ"I'truc!tfbrt;untll'~ti"rd'W"lIltig I.-tinlshed and ,{J :~!.r"oc'c'ulf'ei:i;J6'r ,"(1,]1 .' 1;\',' .,' If.' ""'13: t Ironi IRat pa'rt obi ...'.Id,nc. preml''.1 rented by an Inlured to athedHaii 'an'/nlured. ~1:::'JlC~,t~~~~~it,t~~tl~j1~~;~~~~;#i;t~~~r theft uw e;npl~rt~'Whlle et any 'other reildllhCtt oVlnell ..r1t P1bYI'l'ented' to,!' or.lOeCl:iPred"bY''lln''n.ur'd, "t., ", '.xt6pt\liMe all"nl'ureit Istilinpo;iirlly living " '''''''t~re!l>fopertYOfestulfentwhOIS'\lh'ln.ured In:)",<" Is'J/:OYliretl'Whlle"1l l/.-retld~hl:e'.W9Y from lY'q home' flttllil !itudenlliBS)bil\!nlthe~il at any tthlm~" dur!I)J the 45 daYI;,Irt\ml!pIM,eJybefar, e 05S; . "b~ ,,~ale~~rart~:,ln~\~ding t"~lr furnishings, equip. ment and oulbpard motors; or, , . c. trailers and campers. ~Jp td1'1s' 10, F'lIIng obJecti, ,., ; 1 ." ThiS peril does not include loss to property con. talned in .1 building unless the root or an outside wall 01 tile bUilding IS Iirsl dama!\ed by a failing objecl: Damage to the falling' obfect itself Is not Included, ", I, '. 11, Weight aIle., .naw ar Ile.t Which'causes dam. age to property contained In a buil~!,~.s', 12, Accidental dll/:har,e Of overflow 0' \Vater or Iteam from wilhin' tJ' plumbing.'he'atlng, 'air condi. tioning or automatic fire protective sprinkler sys. lem or from within a household appliance. This penl doe& not include loss; a. to the system or appliance trom which the water. or steam escaped;,.. '" 1. ~b, J ~liuSedbyb~~S~liin~;~freeZingeXcePtas . .. , ''Provlded Irrtheperll"of freezing below: or bfl'i ;1i'~ J "JW~I" " :tiIAH.i 0:; c, on thEl:!lIHM"q" Pr~_ ca~se~,lnl:llc.ci. denial discharge or overflow which OCcurs oft the r..,dell'ceprem,..., "" ".: i ' , " ',., I. ". 13, Sudd.n an.cJ. .ccld.nt.1 t.arln, .P.....cGreckln'. burn'n. or bu',/n, of a steam or hot water heat. ing system, an air ~onditioning or automatic lire ' 'prOteclive"sp~lnklef s}i'stem;or an appliance fof heating water. ',' ." 'I'" We do not cover loss caused by or resulting from rl, t~~'~f~:i~~.un~~r, ~hi'~.~~!n~lll,';q r :3, 'l~ .".'" 14,'F"'.I'nl ofa phJmblnr,' hSatlnt'alrcO/lllltlonlng " ' or blJtomatlC1/r. p~otect/ve sprlnkl.r S)'Stem or of . 8'tlousehOld .ppllance:1 ':",'" q '." ',' '1.,'-, 1":'J,~~~!,I'M~~~~3WS~Jk~~~:'~~a~~~it=;~~"~~I~~: '0';}' ;~Q .. 1fT ~_ "a~iettll ~"./rv ~~, ti3t ~/i).!11'l,on,c "c",~ ,,~i ,'.!Ulll" a. 1Tj~1~t.~Ir..~HP,~ If) ,lh"QuIIRlnlli,prll I : ; ',d, 9.,,, "/1I:1~,\lttlY/,t,water,,s4rPIY!~n~cjr,alll the sys- '~IJ),jI.I:1C/J~9I1arF~~,!l water,:.,.:, ~5,.,.'~d"~/lI:l.d,!!ql1'".n''' d."'..,. ~(P~ .rtlflcl.lly " "'~n~ra,te~ ~r~ct{lc;'l c~rrent,., " i I. I,". "I~I~~ml~y~~~~ric~~WI~%~~~~e~t~Ube, tran- re. !D~In;~.~'b'l.M.'c)r '''.f.'iy'Il.'.Ii:. m.t.rlal which Is part of lI;Quildll1(l\,ltorm <loorcor storm window, i,' :..: tHIi.'6~ ~(\t,~ci~Al:~9~ :rl~ciu~~: 'O$~, o~,tti~ ~'lld.nc. I'" R~~ml,I'" lJ.th"rlW'J. lng ~a, Rl!e~ y,a,canVor more than 30 consecutTve days ImmedlaltllY before the loss, A dwelling being constructed Is not con- J, I.der~d ,vacant, .'" , , " ,., , 'I i ~ t r ." , ,.. J It.' . j , i 11\ t. !'" -, _ " ,. : <. ..--'. .' I ~7. ,V.\Ilc''''cErup~\pn othllr th~fl lo~s caused by , earthq\lake"Ia,ld shock ,waves, or trernors. Copyright, IIls~hjncl!'~erVlce~'Olfice, Inc.:'Hi84' HO.3 Ed. 4'84' r~- -'. --.--j.-....... .". . -.~...~~.._._..-.._..~...~.....~. .-.- ..... -..-............. .t:e."O~H -'ExtWST<MI .-. ._- .... - .- --. 1,,1 We do I\,Jhll1sure for, loss cilused directly or indirectly ,by nny'of the fpllowinll: 6uch loss IS excluded regardless of any other caus~ or event , ,n cdnt~ibJt1ng'concum!ntl~ o'r i"'tln}' soljuence to theross.' ~..'...Pl',.,'I:~II;t',' " , ..!, Ordlri.lici'ol' l'.III: h1eanln~'ehlbfc\!ment 01 any ordlnahce'of'ial9llligolaling the construc " . ""tiOQ, rep~lr, or.p,~fP~IiNl!191 ~,~wlpl"gor other '" ' , "I!itHt'f~cl,ljl~~.~~le;~~"SP~~lll~,~I,'t,~,~qvlded under :)potcy. fl~1'5 '~;J ',I:,'" j"'l,' ,'ll !l~ '~~~' h ft79(WWI"t,!'f!1~i1, lJil)ll. e, ~(.Ihq~ake in. '.:. ',,? 1,~~,ra~qISh'Ol:kwaV~W:;1r~rnqrs before. duro , '1 M' 10 ~fte~ ~ YOIC;i'~i~ eruption; landslide; \'l[o, .... I'd' "iue~r'{~'sln' In6'.,'rlsirk: or shifting; ~W'.1 uuril~~ ,rhct'f6ss by: < . ~,h"~ " ' I~?ol l' (I) fi' ' , ::111 . ,":' Lj 'xrr.~OI-"iq o!-n ~.Jr: ' ,fnOl(l'J~l!'l~ . ,tl} I " (2) explosion; or ,'IV "H, "t IW:; ,,, (3) breakage ci~gl~s'S'or 'safet>, glazIng mate. "ll~r 1"ar1~?~r~iC~,iSjh~;;~~f a?oui!?.',nEl: norm door 10(':.! t,! brlt .....,tffitYf... 1::::-,' II.. ....: 't, 0/ 1"J(!'~ns\Je~'iirltitlfeHwewill pay Ohly'tor the ensu. ing loss. 'f ," .hlli! l;t\is,ll~ll'usion.dpes not apply, to toss. py theil, :." c:.,'J .wllt.n~.I1l'I'/I:n.eanlng!I;:' , t-" '" I': tHhlTl Yjfr6~d.:rs'~}(J~e'~'ate;.~ I witv~s; ,f'idal water, overflow of a body of water', or spray from ,'I t iJ 'jll\W Q!.ittl~$e...whethpr or'l1at,driven by 01',' )1: 101 rWinlllc'lb Ill, ,'I;,' ',- : ," ,,', (2) w~i~fJ~hlHl bai:k~ up ttlroulWsewers or 'Jcl."l: I.; J'''t.q'al!l~i'pr~i.',d j ,~.~,. "p "( tt , I 1:,~~;;!,~m~,~~:\p.r#II~'i,ir, ',~~~iif~,5,!l 0,':1, he, ground, in. "'0"'U \ ", c,\ii[/,Ifl~~ I{~~ ~,~ic/), exerts,pressure on "0,"" ."", ,,:qK.S~~"'li~~~Ji ~nroyRl;1 ~ ~P"dlng. Side. ~',I'I.~,,:, ~~.Rr~ !,'ly;,rqulifL\\I~r.. sWimming "O,H"",;~~oo. Pt~q,,~, ,~tru:turt1., 1( . ',0 ,I' 'DIi'tict'loss r;9llr'ii! explosion or tlleft resulting from water damage is cdl/iliad." '<)lIif.: "Powi, ,.UureJ'mellning Ihe'fjllure of power or o'll'l'e/'titlllfy' ~lirvrce:'1I1t1t!'railure takes place '" ~, "P.,f~~t~a .r,'.II,~ ,~W;~ .ll!".m,l~ll~. ,~Ul. If a Pen I '0 ,)rs ~~,~~,\~l~n~!!es,PI1 the residence 'm~'.:,ro7s~ _~~'r,;w!l'_\V,i,~'R~,~ OPIY;,for that ensuing I,l' . -' 'II': l. . : ,; II' ._It' 'l. ~,~ ,,11 l',~' l'n I!. 1-'" HO.3 Ed: U~ .~ .. .. ~ ---.....-.-..-.--- .-- ..-....... ...- ..... e.' ~11'Qtlmeanmglnegl'liCb lllllhsllnlur.d to use all reasonable means to, savlI and pre. , ' serve property al'and.afler the tlmeq. a loss. f. War, including undeclarecl war, 'civil war. insurrection, rebelhon. revolullon,'wllI'like act I bya military for<:eJar'Nlililany personnel. destruction or seizure or use for a military ""purpose:'l1nd Int:liJdlngany \!bnseqlien& of any o( the.se,. p~' ~t1qr"~1 "q.f~,r}, .41~eil.rXwea" , "" )illl;l'il'd' ",f' "'War If" t1e ! Ir p,~rh W~, :{Yr'. ~e; :rITI~ /;.. ~, t~I;:' bo ~n acclde a. , ''1oil g. Nuclear Hafard'l'l. the~x.\e'll ~~t fqrlh Ir) the NiJcfea'f'H'aiard crif(js~ oi'Seelion i--.:ton. , t'-,9(1 i9lJs,,:-,JI t,~ b ";,1 ": )~'. ;'j ~rP <II '. ~ ,~ "..h, ..I.otlll1tI0l1,1 ~9"'orneap!ng al:lyJIq;;S:ilrjslng out . I ' of any, aC,t"cqr;nlT,l1I te!li ,. ., \ nGl1('IQJ (1) by o?i\i 'jfiE?cIIr~clion' ~;'h'J il1i'uJed: and ""(2)"l'iitil'lhe'iri'il!~i 'fb 'C'ause~J~~:s! j I :' 2, WfJ c;!q,n.o.~,in.~~re}orJP,~~"to.e, tqp,e!j~e~~ribed In Coverag~s.~'~n~ rr<;.a,y~b,<rr6Y"~(lY,01, e tOllawing. However,'aHyensJlng'IOs'S to pfop'er y described In Cov/lrages ~ ij~d,~"not.E!~.clu,\lllfl,ar:el\c,epted in thiS policy is covered. "'<"" , a. Weat.her '!:911~It.lo.!'I, HOY'eY,er...Ih!~ ,e.l'clusion only aPPli!!? i.l) ~p'atP..er"conditioq~ I19ntribute In any Wi\Y,'Wilr.",,~a~~!! or. ,e.v.eIJ.!"excluded In Pilragraph ,~~i!bp,vllr'QP~Ocjuce.:ttw I~ss; b, Acts Or dlu!ilfHU,~ inclltdrl1g'ihe'ia'i1u'le to act or deci,~e"o.!li!RII p~I'SOI;1" l\r.oup,.o.rSiI,nization or governmental body; .', 'l)',] '. I'" I":' r, c. Faulty, friadequ.i'e or defective: " ,.1'. . ",':IJ ;IT,(,)t" ~j11'o';" :. ".IVt ~t) ,. (I) plann,ing"z9fl\ng\ de.~elop[Tllmt, survey. Ing. siting; b,l.~ j, (2) pesign,.sp/lcilica!l9ns..1\W5k'l'i1C5hip. reo pair. cons,\(~ction, r,llnova.lien, remodel. lng, grading, compaction; . (3)' materi~ts.h~~rid'i~'r~p'~i~;.'bon'~~uc~lOn. ; renovaJ'Q,n or remod~lng;orll ,,' (4) maintenance; ''''I'. ' of part dr dli of aliy~ropertY~h'e'ih~~ on or 011 ,the rel!~~!}!it.pr!,.m!se~." .1" "'I IS) '; If""_ ,:1" "':1; .".., ,',""", t';' .,'.- t: ~ < " ""'1'11' .~ 11", . t,'1 COPYrluht. Insurance Services Office, Inc" 1984 I!u~ 7jQ~tl!i! HO-300 (Ed. 4-93) PENNSYLVANIA SPECIAL PROVISIONS SECTION I - PROPERTY COVERAGES In .11 '0.... and In Erdo.._c 110'550, lnIor MlIlITIOlIAL COVElAGEI, Ie. 1. DoIIrI. ._1 I. dol.Cod and Chi followlne .uboclluced. 1. Debrt. ....v.1 A. III will poy your r...anabl. ..pono. for Chi r_v.1 oil (1) dobrta of c_rod prOpllrcy If . '.rll IMurod A..IMC Ih.C .....If.. Co cha -"od prOpllrcy c_.. the lOll; or CZ) ..h. ....c or porclcl.. fr. . volcanic .rupCCon Chal h.. c...od dlrecc lOll Co . bulldlne or prOpllrcy conulnod In a bulldlne. lh1. IXponoa I.lnchldod Inch.II.lc of lIabllUy Ih.c .....If.. co chi ~.od prOpllrCy. If chi ......,C co be pold for Ih. ..c..1 ~.. 10 tho prOpllrty pi.. tho dobrl. r.....1 upono. I. ..ro Ihen tho 1I.1e of lIabllley for tho -"od prOpllrty, en additional SI of ch.C 1I.lt of ll.blllty .. av.ll.bl. for dobrt. rlllOv.1 ..pono.. I. (1) If cha clrclNtane.. of . lOll _c tho.. apeclflod In CZ) below. 1M will poy your r...onobl. .1lpotlI., up cO 'SOO In the ...rllll.c.. for Chi r.....1 fr. Chi ....1....... pr"'''1I oil .. your trHCI) f.lled by tho porll of WlndlCo"" or ..111 b. your trHC.) f.llod by tho porll of llellllc of Ic., Snow or IIHt C'o.... 110' Z, 110'5, 110,4 and 110.6 only); c. . nollllbar'. trHC,) f.llod by . '.rll I",..-od A..lnoc lnIor Cover... C. CZ) lr.. r.....1 cover_ II ...crtbod In'. Cl) above .....11.. only If. .. Chi crH ...... . .cruccur. coverod lnIor thla polley; or b. Wlndlto"" or h.1l or IIollllc of Ic., Snow or lI..t c..... ~.. 10 a .truccur. covered lnIor thl. policy ord Chi '....ylv...I. Gov.rnor docl..1I tho .r.. In ...leII Chi ....1....... pr..... la loclCod co be . d....ur .... II . r..ulC of _h ....th.r condICIOllI. SEC110N I . OONDITIOlII Undor Condlclon 5. L.. ..ctl_. It_ b.(1) I. dll.cod and raphcod by tha foll...I..., b. .ulldl.... lnIor COV1Irlll A or . .t rapl......1 cooc wlthouc dacU:tlon for deprecl.t I on, 1Ub)ICC to tho followl.... Cll If, .c Chi cl_ of lOll, tho -.nt of I........... In thl. polley on tho ~od bulldlne I. 80S or ..r. of Chi full rapl......C COlt of Chi bulldl... 1.-II.caly bofor. tho 100a. 1M will poy tha coot co ropolr or rapl.... .n.r appll..tlon of dacU:tlbl. and without -...clon for deprlCl.tton, buC noC ..r. Chen th. I...C of tho foll....l... -..c.. C.) cha 11.lc of Ilablllcy undor thla polley thlC _".. to tho bulldl...; Cb) Chi repl......C COlC of ch.c port of tho bulldl.... .adl or Ccl Ch._all,., -..t ..cually IplItIt to rllllllr or rapl... tho ~god bulldl.... Th. rtpl.._t coot ..Ill not ..clod th.C _"",., for Ilk. cOllIcructlon and ... on tho a_ pr_I...; .....rtll... of "".ch.r the rapl.._c bulldlne or ropolrod "''' Idlne I. locatod on tho .- Of' . dlff...,c pr.I.... UClION II . L1A1IL1n ClMIAGII In Erdo......t 110.550. Ic. 1. undor Cover... E . '.r.OllII LIability II dol.cod. Undor Cov.rl" , . Mldlcll "v-ontl co Oth.r.. IIodlcal .1lpotlI.. do noc Incllalo .1lpotlI1. for f....r.1 lI....tcII. NO.300 (Ed. 4.93) PEMMSTLVAIlIA ,... 1 of Z UClIlllIl , AIIlI II CllIlOlTIlllI' S. Cane.ll.tton. '.r.,rophb. t. dal.tad and th. 'ollowt.. I....t Ilutadl b, Ila _y c."..1 thll policy only 'or Ih. rl.."'" .Ulad balow by nollfyt.. th. lnoured In ..rill.. cf th. daU cane.lInl.... t.k.. .ffoct. Thll cane.lInlon nollca MY ba dallvered 10 or _lIad to tha t..urad n.-d In th. Docl.r.llona nth. _III.. addr... 011-. In th. policy or .c . 'orward'.. addr.... 'roo' 0' _III.. ..III ba lufflct....t proo' of nottce. I. "'on IhI. poltcy h.. ...... In .ffoct 'or la.. Ihll1 60 ..,. and t. not . rltWWll ..lth ... WI _y cane.1 'or ...., raalon by notlfyl.. th. lnoured n.-d In th. Docl.,atl... n IlIn 3D ..,. bafor. th. cane.II.lIon uk.. .ffoct, 2. "'.... thl. poltcy h.. ...... In affoct 'or 60 dol.,. or .or.. or at tift 11_ If It I. . r__ll ..lth .., WI _y cane.1 only 'or ona or .0.. 0' th. '01 low I... r..."", by noli 'yl.. the I".urad....... In th. Docl.r.U... n I..n 3D ..,. prior to th. prOPOled c_.llnlon .tal C" thll poltcy .... obulned throueh _I.rt.l .Iorepr...ntatlon, 'r.....lont n.t....", 0.1011... or cone..l_t 0' hct _I.rl.l to Ih. ..copUnc. 0' Ih. rllk or 10 tho h.llrd ....-.1 by ..: - Cbl th.r. h.. boon . 1....III1tl.1 ell.... or lner.... In h.l.rd In th. rtlk a,"uood by .. I...........t to th. .U th. polley .... f..uod; Ccl ther. II . ...tlllll.1 Incr.... In h.l.rdt I..ured' ...I..t by r..lon of ..lIlful or rwell,.." acu or ..1..lona by tho I..ured; Cdl th. I.....ad h.. ,.lIad to pay th. pr_l.. by th. .... dolu, ""nh.r payobl. to .. or to _ ....t or ....r ...., flnane. .". cradl t pllll; or C" 'or...., oth.r r..1OII """'_ by tho '....ylvllll. I"........ co.l..I...r. 'hi. provl.ton ",.11 not "",Iy If th. n.-d I".urad h.. ~rrned by ._ overt .etlon to .. or to our .....t thn th. I..urad ..llh.. tho pol lev to ba c",,"ad. D.llv...., 0' tueh ..rlnon nottc. by .. 10 th. I..urad n.-d In th. Docler.llona .t th. _III.. oddr... .hOlll In Ih. pol Icy or at . 'o....rdl.. oddr... .hall be oqulvalont to _II I.., 6. Non',_1 I. dallied and Ih. 'ollowl.. I....tltutadt o 6. oon'I_I. WI ..III not ,.11 to r_ thlo poltcy ..c",t 'or ... 0' th. r..lona ro'.rred to In th. CIlIc.lIl1lon 'rovl.lon 0' IhI. ondor._t. Ila ilty rof... to r_ 'or ... 0' th. IIl1ad rlllona by _III.. to th. lnaurod n.-d In th. Decl.rell_ nth. _III.. oddr... .h.... In rII. polley or .t . fo....rdl.. oddr..., ..rltt.... notlc. .t I..at 3D dlyo prior Co th. ..plratlon dlt. 0' thl. polley. ThI. provl.lon cion not IflIlly 1ft .. WI h... Indicated our ..1111...... to r__ and th. I..ured h.. ,.lIed to ply th. pr_l.. by Ih. 4lI dlt.; or b. th. n.-d IllIllI'ed h.. Indlcllad to .. or our ..ont thll th. t..ured do.. not ..llh th. policy tp ba rltlAllld. D.llv...., 0' IUCII ....tn.. noli.. by III to th. In.urad .- In th. Docl.rlll"",.t th. ..Ill.. addr... Ihownln Ih. polley or at . 'orw.rdl", odd.... .hell be oqulVllonl to ..t II... 9. D..th. 'er..roph b. t. dllllad and Ih. 'ollowt.. tcldtdt b. I..urane.....r thl. poltcy ..III conth...... provldad In Cl1 or C21 balow. ""Ich...r I. I.t.rl CIl 'or 110 dtyo "ur your datlh r...rdl... 0' th. poltcy plrtod IhOlll In th. Docl.r.tl..., \I'll,," your pr_ll.. and proplrty, co"red ....r th. polley at th. II.. 0' your dlorh. I. .old prior to th.t dat.; or C21 Until th. and 0' tho polley period "'011I In th. Docl.r.tl.... unl... your pr_I... and proplrty. covered ....r th. polley at th. tl_ o' your dtath, I. .old prtor Co th.t dlt.. Cover... ....1.. th. plrlod 0' el. Ift.r your d..th II Ilblocc to .11 tho provl.lona 0' thl. policy Includl.. pI_t of tift pr_llII.... 'or tho pol tcy period .h_ In th. Daclaretl... and ...., .xc....lon 0' thor plrlod: c. .t..urod" Incl....1 (1) Mt......r 0' your h_"'old .... la 11\ .1......... at th. II. of your dtath. but only """. . reelclont of tho ....IcIanc. pr_I....; and (2) lIlr11 roapoc:t to your proPerty, Chi pereon h..I.. proplr t-..ora..... CUltody 0' th. proplrty \I'ltll .....Int....t and ~lIfl..llon 0' a I..al ropr..onutl... All olh.r provlll"", 0' thll polley tpply. HQ'3DO Cld../", "'onLVAll.. '''' 2 of 2 ",, " E'" ' I.B'." E'" C' OP' '. " .. .. . . ..1 . .. . . .' . . .. . . 0', .' . ..' ',' . .', . . ,f .' t.. It' .' . '.' "" Of .... '. . '. ,0, o '. . ...... . ..' '" '. ..:LL..:.' ".:'.. :L.:.... :..... Y ILLEGIBLE COpy I ILLE IBLE P ILLEGIBLE COpy " - ',' " E'" ' I.B.." E..'. C' OP' '. " .. .. : . , . ': . .. . . . '. . . 'r.. . ,0. '. ....;.. . It. ',,'. .:. .0 ...... . . ,f. '. . . . ".,' ". . . . 0, o . '. ..... . . .' . .f .:. 00 . .ILL.:.. ..:...L..:..... .':.' Y HO.3110 lEd 9-87) " , SUPPLEP(lENT AL PROV,SIONS . . .' , DEFINITIONS Definition . II. Is deleted and replac'ad' by the fo.IIQ!Ning: ":'" II, "ocourrenoe'l; m.anl an Iccid.nt,: including contlnuaul'" or repeated \ elCpasur. to, esub- ,tantl.lly th...me' general harmful condi- tions, which results, during the policy period. In:,", " a. bodY)!.! ml,ury; or b. property~d.mllle, SECTION '1 ".; PROPERTY COVERAGES Under' COVER~~C: .' Perlo"e' Property. Spelllel' L,tmh~r of, Liability.: item 2; Is deleted and repl",~_d" by ,ttle fallOWing: , 2, s 1.000 on securities, eccaunts. deeds, evi- d.ncel!.,of ,.deb,., letters" of credit, notes either thin.. ~ notes. mll)~sc:rlpts. per- sonal records, pIssports, tickets and stamps, This dol"" limit; applies ,to the,,"categarles regardlna' of the.rmedium 'Isucho; as paper or computer software) on which the material elCl.~tL.o ' .".. This limit blcludes the cost to research, replece":or: rlltare the information from the' lalt.or',damag.d mat.ri.1. , Und.r COVERAGE C ,.. Perlonll Property. Prop.rty. Not I Coylir.d; it.m 8. Is deleted and repllced by the following. , " ' e. bull.,..., call. inc!udlng such dIll stored In: a. books of account, drawings or other paper records; or " b. . electronic cata processing apes, wires. reoords. discs or other loftware media Howeller,. '.we do cover the cost of blank r.cording . or storage media. and of pre- recorded computer programs available on the reall market Under ADDITIONAL CpVERAGES: Item 1. Debr.e Remoy.1 is deleted Ind repla~ed by the follOWing: . " l,"Dibr.~ ,"emovl'. We will pay your rea- sal1lbl~,lllpense for the removal of; a, debris of covered property If a Peril Insured Against that applies to the dam- aged property causes the loss; or b, ash, dust or particles from a volcanic eruption that has caused direct loss to a building or property contained in a building, " ;:. '......" , . '. I. 'I "/0;, t This elCpense is, Included in the limit ,of, li- aI;llllty, that .,)plles.ta the, d~'age~ prop- erty. . If the midunt to be pai ,Jar the ac;tual damage' to "'e Ilroperty p us 'the' ~Il,-pris removal expense Is more than the IltM of liability for the,' damaged j:lrapertY." arll'addi- tianah 5r. ,of that limit of lielllty" Islt Ivall- able for debrlsl.removal expense, ,.,':: t.. W."will' .1.0 pay 1 your rNsanabl1', ~se, up to 8500 In ,the' aggregate: forti ti'llll~re- maval' from 'the, relldenoe prtlml",""of: a ya(Jr' t""els);',fell~d~ hyJ"the piril'jof Wlndstarm",qr l1all, . ", "', n~' "I' b, your treelsHelled bV the. ~arll of Welllht 'of Ice.. Snow!; or Sleet IFor.mi HO.::2, , ,HO-3, HO-4> 'Irid, Ho-a, anlyl,' or: I '.Ie 1:' c, Ii neighbclhl"ireelsl felled 'bY' a PerlP1ln-< sured Against under-,.Caverlge C;."dW .: , pravided~; the~.tleels)damages a". covered . .structur">t:! ':11J ,', .~It:.IIUl) h, I,; 'H", Itl", ~. "~II.~o,,8)jHlI o.~,.Ri~i1i1.1.~J .1s..,.,\!'lIletlitlf,;and replaced bt..t~e .f~flf1~)?p;'W,- ',' .:';, ~'l,:: 2." R"lonable Repelr;."1n the I event~tI1at rcov- 'ered property. Js damagm bY"ln appliceble Peril Insured Against, we wllt'ply; the .:ea- sonlblell~,ast incur led Illl", VOU for., \leq,lslry measur"fl' "ke".' splelV ,td':prateC't 'Igainst further ";aamage. 'If the mea,~es' t,lken In- volve repair fo athar' dlrNged" prODerty, we will pay for thase'i'nltaiurils only if that property Is covered under" this, IDClicy and the, dama~ to. t~t. proP.tlr~x.. Is c,used ~ by an applicatl(~,'r.rll 1~~yrii,!~Ag,fr,s('", This coverage:,' ","L"': ' .' " , a does not increase ~ the ~ flmit' 'of; Irjbility that applies to the caveceoprap.r;ty, . b. does not reliev. you 'ot; your, dillies, in case of' a, Iou to cover.ed ~pl'Op-Mty. as ., sBtdarth in 6eotian I Gonditlon ,2.d., Item 7.' "'oiii' Ali..lro,,,r ill 'deiilleil' and' re- placed by the fallawinll:' ..,.. .;.", "', - :',' ' . . r ';, .1: j . . I' ~ I. 7, La.. A.....m.nt. WfI. wil' PlY up J9 . 51.000 'for v.our"liRai-"..IH loss as'sdsment charged durihg thl 'pplieyperiad'" iiJlinst you by a corporation' 'Or asS'O'clitllln of property owners, when;o,the, asaessment Is made. as a' rellllt a....dir.ot.: ilass "to..., the ,. property. awnedo'bv., III members callallUvely, caused by a Peril .Insured Against "j.l/)der Coverage A--Dwelling, other than earth- quake or land shock waves or tremors before, during or after a volcanic eruption ,pr HO-350 lEd 9-87) , Capynght, Insural'!ce Services Qffice, Inc, 1987 Page 1 of 4 O/!. .), 1\;>,', .' Thl8 cavlrlge Ipplles ani V to loss IIsess- mint. chlrg.d .g.lnst you .. owner or ten.nt of tlie rellll.ncI pr.ml..., W, 110. no,f cov.r los. 1I.I..ment. ch~rged " ,',.rl"~t ,~t;lu.:or ~ corpor.tl.on or uiocl~ian " I " @, ilrWlI(~Y; ovy"~~~ ' ~V;: ,"V gov.rnment'l 1(' ,O~~'1. ..(,:u;., I'.:; i II Th. limit Ofl<'I,OOO I. the ma.t w. will p,V I" with, relplll;lt to any on. 10", regardless of the rUnber .of ,......m.nt.. . ,"" Cqlditlon'fi.1';'iP..olicy Perlpd, under Seotlons I . " 'end II"'-Candltiana. do.. not apply to, the cover'"lfprclvidlcj.. bV thi. endoraemenl. SECTJ~ I ',"' PERILS, INSURED AGAINST '. The following perils .re' ifeleted from Form ,~I: 2. iWind.tor~ Or! ,H.i1; 6. Vehicles; 1 " "allfl'lO Qbjacta; 12. Weight. of Ice, snow or .11It; 13... Aa.cldental discn.rQe or overflow of w,t'rluO{ ..t~F."dnd rep',I~ced bV. tl1e following: 2. Wlnd'lor~ cor ~H11I1." .. ", .~ Thi. plrilzdoe"not inclllde loss to the in- side of . building or the prapertv can- ,. '~~'~d"a~~~~,,~crf;:~h~Y'ilft~~t ~~~~ of wind or hliI d.n\i is the building c.using an lopenlng',in". roo 1Or..Hw.II,:end the':rain, !lI'J allCIW" .~.", un,d 'or.. dust enters ttvough .thl.rC~IJ' '. ;" ','IH:' . "''I)lli''~t!,lrlli.~ .I/'l'C~iis'I'lqSs ~io . wa\", 'ccr'~,i, .nd , thil~.,:ii'J!J ~SG 1,um itilngs, eqL\!Ptn1nl;. .nd ~aL' n'10rS. o"ly while InSide 'a: fullV .. lIM16..1! ..Il" ,. 'I~ :' ' " -rrr:. ',"" .1'1', g..,: 'I... ;", .; "Ihlote'~tlb' I,,: .'" " ,. .,.., ifii..~D.VJlA~~~p'l>i':,~d.;'''a,s.loa, fij'nce, drill.War or wilk 'cluS'.d . b~' '. a vehicle owned or ap.r.ted bV a' resident of. the (:, {",Idf80':..w.'",,""':sr.'~, , '. , 11. """'.''"Obfeota,.; ," ,;' r" .1tlII'~tRIl\ddls:not Include loss 110 l the In- ., .1a.COtQl ttluilc!ing or py-op.rty'contained In tIWlllulldl"ll"unlets 'ttW'itoaf or tan outside -~.~~, ~8Jbijl,bUildiJ:1g~' . fl/;st, dalTllged by~" . f.llin.ll bliicl D.m. 7,'icUlie 'f.lIi(\g 'ablti~t Itself'ls not Include, ,'" , ,." ~~ I'!~t~ ot ~IC8'VV ~~~:;' :qi", ~i..a: whith !ar .~I~.~!.I::a1l I,I.bu!ldtng , or:. prapertv lr.' ,l<<~2,. ~'~.ffill":. , 21 'T1ft'2~ ddes(lrllot Include lOllS' to an "', I,' .whlno~alfe~,'bpitla, "p.III.ment;. swimmino ~" 'p6d!" 'tC)\)n~IO") IIr-etalnlng wall, bUlk,head, 'et'J:Il!tr.:'IM1Ir'f. llf'l'dcrck." 'j' ',,,, "'1 :," 16m lsrtJo rl" 14'.\ . ...... -'1'1'. .., '::'~VF.'/, i:"',() II ",' L.t, 1 :Jltlt:~ln\ t ."l" ,;~ ,~ .;:jJ rJ~t-(J;.1 HO-31l0 lEd 9-871 13, Accld.nt.1 dl.ch.rs. or overflow of w.- ter or .t.lm from within . plumbing, heating. air conditioning or automatic fire protective sprinkler system or, from, within a hQusehold applilnce, We also P'Y, f9r tI.rlng out, .nd replacing .nv p.rt oft thl building which is covered under Cavtirige A .nd on ,the re.ld.ncl "prim III.: If necln.rv ,to rep.ir the av.t.m ,or 'IPPIl- .nce from which the w.ter, or .tllm es- ceped, . This peril does not include loss' a, to a building caused by" Cionitlint 'or re- pelted seep.ge or ,leak.g'l OVlr a pe- riod of w.~ks. months ,pr, YllIrl; ~ '. -, ", - ' . I I b on thlJ r..ld.ne. ,preml..., jf the unit has b.~pVac.nt {Qr martl';th.n','30 can. secutivetjavs l/T1tned!ite!v '~'.tll,l.fore" tl)e loss, A unit' being constructed 'Is not can.idered v.c.nt; , c, to ,the syslllm arapp!~nce ffom' ,Which the, ,wa,.~ or steam esclpe~: ..,'. :, d. clUSld by or r.sulting' from fre.zlng except".s provided' in the., p.rol of freeZing below; or .,,:, , e, on the relld.ne. preml... c.usea bV accldentaldischlrge or ,overflow 'which accurs'.w'v,',fram" the building. .where the relld.nc. preml... is ,looated. ' The ',following' lentence is .ddld'tc6.::the p.rll, 'AlIcld.nt.1 DI.chsrge or Ov.rflow~, of Water or Stllm, in all Forms except HO- 1 .'.nd HO-B: 1", this p.ril, .,.plumbing svst.m, doe,'II1Clt,ln- clude a sump. sump pump or rel.ted equip- ~en~ " .' 'I. t " I' ,; L: .' t:. _JC".: ., SECTION I ; EXCLUSIONS, '. W, 'J"" Und.r ExClusion;' 3, ,W.t.pO.m'IIII. pII'.gr.ph b,,, is' deleted and replaced bV .the'lfollowing: b. ,water whlch.,backs .up through '1JIlwera or ,dr.lns or which av.rflaws' from .'..ump; . Of'" 'l~ .'t",. : ~t'-;;")9'" (In Form HO-3, .this is ,it!lm l.c.12}.I' o'u ::'1 SECTION I -"'coNoiribNS . ., " .'u'Jr". u;'il~'(, 2. Your "O'Jtl.s liAfl.r.tcl'i.."~~~.g\"MP~ f.131 is deleted and replaced bV thil'fbliciWlnl2:' 13'1 submit to examination .u~~lIr ~n., ,'WhirJ!Ondt irl the presence of any tither Tn.urld, ".nd , "sign the 'same: ' "~' Ill.' . . ,I''': 1:,IIJC,"" 1r,' ~. ':1'~P'" ~ " ,ti:-c ~ .. " I, ,OllC., P"ll;l ~: '., " 't. ' dl1l,c1 ~t', HO-3!lO (Ed 9-871 . Capvrlght. hisurs"ce Services 'Qffice, Inc, 1987 Page 2 of 4 . Under 3, Loil: I'S_nl.m."t InForms' HO'.Jl, HO-2,end HO..3. paragraph 'b,14) Is deletld and replaced by the following: I..' (4) We will pay no more thant the, aotual, cash value of the dal1llge. unless:, .', ' , ' (a) actual repair or replacement 'Is 'com'prete; or . ~ ,':0,;:: :' j,[ r . r. (b) the cost to repalr or' replace' the 'damage Is .boUt, r', -" "',. .., "'I ", III less than 5% of the al)'lountaf ,in~ur- , ance _ in this policy on the b~lI~ing; end " , . . " '" UiI less than 52500. ' " - ,.. S~.9Tlq~ II'~' \.i,,~,lIr:v COVER~G~S '.:' Under Coveraga E. Paraon.1 Liability, item 1, Is ,d.letld end' replaced b\l. the fallowing In all Farml and Endorsement HO.-73: , ' 1.,' pay up to 0, Iii' IImi,ti, P'~j)iabllitV 'for:.l the , damages I for which the nwr.d Is lewally " liable: O.m.gis Include, prejur;lgm;em Interest awarded against the"lnaur.d. - , . SEC!io.N,io"". ',~~e~lJSIONS ':,;i~~':': Under itam ,1.' Covarag.. E - Parlonal Liability and Cov,rag. F - Madlcal _ p.ym.nts to Otharl, Item b. Is deleted and relllaced by the following In all Forms and Endorsement HO-73: b,(1) arising out of or in connection with a bUllna.. engaged in by an Insured, This exclusion applies but is not limited to an act or omission. regardless of its nature or circumstance. involving a service or duty rendered, promised, owed, or im- plied to be provided because of the nature of the buslnass; b.(21 arising out of the rental or holding for rental of an~ part of any premises by an In.ured, This exclusion does not ap- ply to the rental or holding for rental of an Inlured location: III on an occasional basis If used only as residence: (ii) In part for use only as a residence, unless a single family unit is intended for use by the occupying family to lodge more than two roomers or ba.rders; or (lliI In part, as an office, school. studio or private garage; Under item 1. Coverage E - P.rsan.1 LI.blllty and Cavarag. F - Madlc.1 Payments to Othare. the following exclusion is added to all Forms and Endorsement HO-73: I. which arises out of the transmission of a communicable disease by an Insured. HO-3110 lEd 9-871 (This is, exclOsion ,j, In HO.- 73)" " ,;' . . . Under item' 2, Cov,rega E - P.rlon.1 Liabil- Ity, item a (1) Is deleted and ;:replaced' by the fp!lawing if' a}l;Far("s and Endar~l!m"n~1 HO-7 3: (11 for any 10ss'lSsessment.chargao against Vau as a member af,~ assa~iltlan. /fqrl?qral'Op, or community of -properly Owner's; SECTION'II ":~IADDrl'r'qNA,L:.COV~~E~~';~ : Under ite'n!.l', C,!f,\m ~~P'I)I'I. .,p.,rl!gr8fl~, eJ is deleted,,' ,","); :,r.."." '. '!ir"ov.. Under 3, D.maSIII to.'Propany aft'J Otherl, item e,m is'Jdilleted- andltrilplac!ed bV,,'th.rifal- lowing: .....C If 'If I. ',: ,.( !-;-.., ., ",\'t'Jn::- (1), a bU.\'n.,ss,~en'gag~d .In . ~v.)[.iIt;;.!I(,1is~'::1 Item 4. Lo...,JI......m.nt.'11 dele'ed'andAre- placed 'by the following: ',If, 'en,l r,lI"'J'-'; 4, Los.' ~"a~im"nt.' We~., wjll :,"P~I~':."I:; to S 1.0pO for 1LOY.t.';.s~a~e~D' 19S~, "~'Ii "ent charged dUring' the. b~!lcv, ,p.r.I~'t)'i !,nst you by a carparatlati or Issoc,a :Ian of , prapertl'~ ownans, when, the assellmll'it is , I1lIde!ils", reSult' of 5l' "_,'~ ,':; 'l,p-I" io' '}ib41i'i,IIiJul)i;'cir. "~rOPl!rtY': 'd.ni~9..',:hat ' ex'cludfld;,ul1de~:,SeF~lon II. pI. th[S ~:C?licy; or " ,', b liability for an act of a director. officer or trustee in the capacity as a director, officer or trustee, provided III the director, officer or trustee Is elected by the members of a corpo- ration or association of property owners; and (2) the director, officer or trustee serves without deriving any income from the exercise of duties which are solely on behalf of a corporation or association of property owners, This coverage applies only to loss assess- ments charged against you as owner or tenant of the reslll.nc. pr.ml..., We do not cover loss assessments charlled against you or a corporation or association 01 property owners by any governmental body, Regardless of the number of assessments, the limit of S 1.000 is the most we will pay for loss arising out of: a one accident, Including continuous or repeated exposure to substantially the same genaral harmful condition; or b, a covered act of a director, officer or trustee, An act Involving more than one director. officer or trustee is conSid- ered to be a single act HO-350 lEd 9-87) Copyright, Insurance..Servlc,8S Qffice. Inc" 1987 Page 3 of 4 r'!r.")~1 \. .~ .(J f~:l Thl fallowing do not Ipply to this caverlge: ,",1."Slcllon.lI - Ooverlgl E -SPerlanllll- ~'r ~"lbIl1tvl.E/(clullon 2,1.111; " . . r. \2,U'cclRamon ,; 1. Policy Plrlad,; Un~er , , 1,Slt9tI~ I II1d II Condition.. ' SEtTl~~I'[ .;. '~ONDITIONS , . Itlm !t~l.lJl:IJt" of L1lblllty, ,l, delltld Ind re~ pllCla lffW fallowlng: " . i; Lbiflt"'~ 'lllbllltY. Our tOlll IIlbillty undlr Cover",1 E for III dlmsgls resulting from e,lMI'1) one ooourrlnol wlllnat,.be more thlll ,Citne(I~lmIl .of" lielllty for Coverlge E II shown In the Olclsrltlans. This limit 'is the IIIM.. r.~rdl..S ,of the number of Inelnlll.' clelms midi or persons Injured. '"-AH.nl~od"V,,,lnJury "Ind ,proplny dlmelll resulting from Inyone Iccldent or from , IItl I .ar rlplltlQ .~posure to. lub- ~, ~e SIlT'1 glni~~I' 'hlrmful ,condl- ~~i ", be conll(!.rltl.ta, be .tIle result ~. I (l 'ciurrlnol. ' . t'J 0 I. U.I. . .,~ . j', , OIlr"tOtlL IIlbllltv under .Covlrlgl' F.for, III medlClI .xpense plylble for bodily I Injury .. to ~p"rlan IS the rllull.af one Iccldent , ':wlJ. 11" more Ihlntl1l:lImlt of' lIetlllity 1- for C v.rlge F II shown In the Oecllrl- tlon.. t.,;. t l,~ ,... -.: .~:l\,":r, t. .~ I ,!' C;JJ :u.f 4....1"):.; 6 Jl....-rqO.,t] ."\ '~~lt2U'I) Ie < 'noOn! '(nI, 1 t,j 11\ rlOlltw I~O'I,,~j "d nOl'L 'CO'C' i!'ISfl'Nr) '~ ,.:. I" '.1 ,',', :(, II'I:;.1i ;pf,'" ;'; .' .;\)"!,r1 ,'... '/ I. - I' .;_" I,., '''~n., -. ;.:A: ,~6 ;:;:'J~I lr l:"'V\I:j JF- eUl.HT 0, . h!!{.psrIJ 0111""'" . PUlt&I:""J!l6 I" ;" I Ir..Jnnrn("~Vt:l) , . 'J !~' , ., " " ';, , ~ln1311'1:'!~e~2Q 1'nQ \:iw ~\;'. ':~i.\,,; 'Clt; . "II \'1 .' .'( I ,. ~,' ,:'';1 ", '0 t.uoun'~n'~ 9(11 ~i1Rlrnn:':i '0 .rh. ' 'I "0 '9'Ji"'~ l.! .mU ItFir11 ~" , t'12n,:) 21 ':" 11: .,~ .' '. L: ,.,', ^i! C!-;l:l:'~I:r-' IS ,'j"i::''', >"f"rl ~ ; : ;'"1\-.)-:' rt U ( -'I. ", ,I!!.";J .j .' ot,~. "". -1 "II.:; ~ 'J ~ t., I . HO-3110 lEd 9-871 SECTIONS I AND II - CON~ITIONS Item .2. Conolllm.nt or Freud, Is dlleted snd repllced by the following: " 2, Conolllmlnt' or Freud, Thl Intlre policy will be void If, whethlr before or Iftlr I loss. In Inl"rld hiS: ; "i . I intentionllly cancelled or mlsreprl..ntld Iny. ITIJt~rill flct or circumstance; b. englged In frludulent conduct; or c. mlde fllse ststements; 'rillltlng 'to thl$ Insurlnce. Item 3. Llberlllzltlan Cllu.1 Is deleted Ind repllced by the following: 3, Llber.lI.,..tlon CI.u.e. If we mike I Chlllgl which broldens cove rille under this .dltian of, our 'oQlicy without Idditianll premium chlrgl,that chlnge will lutalNticllly epply to your insurlnce' IS of, thl elItl w. Im- plement, the chlnge In your stlte. pravldld thlt this JmF!llmenlltion elite fills wlthln~ 60 :~ ~yS prIor' to ,or during thl policy p.~lad stlled In the I Pllcllrltlons. . , This Llberllizltia~: Clluse dOls not 'PPly to chlnges implemented through introduction of, I subSlquent edition of our polley.. , _.' ~I .' .' I All other provisions of this policy 'Pply. ' .1(' " L ,,' "t. "- ., P'U\ !11l' -,,",.' . '., C :'~f.4[' HO-3!50 lEd 9-871 . COpyright, 'Irikurance Services 'Qfflce, Inc, 1987 Page 4 of 4 I" <; e II''; Iii' 'I !\, ',1_ ' 0' ~. .. ,: '. f' l,! ' ,. '.r "'." If 'I ,II' , " . ,~. .~' . ~ ,r -:' ~ . .,~.! " _ i;. ,'" . 'r ., L. l~ '.' v',.-'." f ,:-"" , '~j . I' i ~ r,". to!. -1 I' , I ' ",- . : ~:..; ..,1 ~.. I ~ I ,r :"i . dllr. ~ I.U1f"-1" Of ;';I\:''Unt' '~ , . , I , '" /1..' .' ~.~ 11\.'1.' , I' " ," ,\ ',.l "EPLACEMENT OR REPAIR COST PROTECTION . COVERACE A DWELLlNQ Fo, .n 'ddlt'onaljlremlum. .e 'i'ee to .mend the p'''.nt cov.r.,. 'mOUnll In ,cco,dancl .,Ih Ihl fOllowln, jl'OV'SIOtlS . I. "you h.v.: .. .1I0wed us 10 'dlustlhe Cove"le A limit 0' IIabll. IIy .nd the premium ,n "co,d.nce oo'lh: (1)lhe jlropeny tv"uallons we 'fl,ke. .nd (2) .ny ,nc,eas"ln Infl.hOtl; .nd II. notIfied UI, w'thln JO d.ys of completion. 0' any alteraloonl 10 Ihl d.ellinl whiCh ,ncre.se Ihl replaclment cost 01 the dwell,n, by 5'''' or morl; and c. elected 10 rep"r or replace the dam..ed bUild. .n,: Wlwoll; Il. ,nc,ease Ihe Ccverale A IIm't c, lIability 10 ec:ual Ihe currenl ,eplacement COSI of Ihe dwelling I' the amount 011051 to Ihe dwelllnl'S mo'e thJn the Ilmrl 01 IIab,IIty IndIcated onlhe DeclaratIons page; II. also ,nc,ease by Ihe same percenlage applied to Caverale A the lImits of lIabollty for Coverages 8, C .nd O. However, we wdldo Ihls only I' theCoverale A limit 0' lIi1bllity is incrp.ased under paragraph a. above as 01 result 01 a Coverale A loss: c. adlust Ihe policy premium from the lime 0' loss 'or the remainder 01 the policylerm based on thl Increased limlls 0' liabil,ty. " , i'V <j i ~,..,,1 , ~ -, " ~, , , '.. \.,... - I . , .. . . ---- .. (A j.~,; 2, "you com~l, oollh thl p'O"S'OnS 0' Ih,S endo( If. ment .nd Ihe'e IS . 'Ot. to , bUlldrnl ,nsu'ed under Cove"le A. Sect,on I Condlhon J Lon Selllemenl paral',pn b 's :eleltd and replaced by p.r'I'i1p"s b ,c .nd d as lolloWl' II, 8"lldmlS unde, Cover ale A 0' 8.1 replacemenl COli w'thouI cltduchon 10' dep'ec,alion, We w,lI P'Y no more th.n Ihe smallest 0' Ihe lOllawln, .mOUnls lor equlvilltnt Const,ucIoon .nd use on Ihl sam. prem,sts; (1) IIle repl.cemtnl cost 0' the bUlld,nl 0' 'any parts 01 'I; (2) the .mount ,c'u.lly and neclssaroly spent 10 rep." or replace Ihe bUl'd,nl 0' .ny parts 0' II, (3) Ihe i1PpllCil~le limit of liability whelher 'ncreased or nOI. i1d,uSled on acco,dance ""th palJB'aph I abcvt. c. We Will p'y no more Ihan Ihe aClual cash value 01 the damale un hI aclual repair 0' replacement 'I compltled. d. You may d"relard the replacemenl COSI Ion stl' lIement /oo,ovIsions and make claim under I,IIS policy 'or loss or d.m'le 10 bUlldinl1 on i1n actual cash value basIS 'nd then m.ke claim with'n 180 daYI alter Ion fo, i1ny i1ddilional liabolity on . replace. ment cost basIl, This policy does not apply to I.nd. includinl rilnd on which Ihe buill,,", or S1,uctures are located. All other prOVISIOllS of thIS policy apply. Providenc~ Washin9ton Insurance.Group U5471 (Ed 1-1-87: , ~ \D b f N " .. :") - nS - ~ - I.J:=~ ;;; ,)~ ., r- :;'(~ u. I -)~ -. u:.. IlJ .... uti iJ ~ -" III a,. .., S ~ \D en U paragraph 1 of plaintiffs' Complaint, after reasonable investigation, Defendants are without knowledge, information or belief as to the truth or falsity of these remaining allegations and as such, these allegations are denied and strict proof thereof is demanded at time of trial. 2. Admitted in part; denied in part as stated. It is admitted that York Insurance company is an insurance company licensed to practice business in the Commonwealth of Pennsylvania. It is denied that PW Group/provident Washington Group is the correct name of an insurance company licensed to practice business in the Commonwealth of Pennsylvania. By way of further answer, th~ current name of PW Group is Providence Washington Insurance Group. By way of further answer, Providence Washington Insurance Group and York Insurance company maintain principal offices at One Old stone Square, Providence, Rhode Island 02903. 3. Admitted in part; denied in part as stated. It is admitted that defendant, York Insurance company provided coverage to plaintiffs pursuant to Policy No. BRH443372602, with effective dates from October 5, 1993 through October 5, 1994. It is also admitted that a copy of the said insurance policy is attached as Exhibit "A" to plaintiffs I Complaint, except that Form H0322 09/85 attached to plaintiff's policy should actually be Form H0322 09/87. It is also admitted that Providence Washington Insurance Group issued the said policy to plaintiffs. By way of further answer, any implication that said policy provides coverage - 2 - to plaintiffs for claims referenced in plaintiffs' Complaint is denied and that strict proof thereof is demanded at time of trial. 4. Admi tted in part; denied in part as stated. It is admitted that the insurance policy at issue was a homeowner's policy which provided coverage for the plaintiffs' residence located at 1312 Sadler Drive, Carlisle, CumDerland County, Pennsylvania. The word "standard" as used in paragraph 4 of plaintiffs' Complaint, is vague and undefined and, as such, it is specifically denied and proof thereof is demanded at time of trial. By way of further answer, any implication that said policy provides coverage to plaintiffs for claims referenced in plaintiffs' Complaint is denied and strict proof thereof is demanded at time of trial. 5. Admitted in part; denied in part as stated. It is admitted that during the winter of 1993, plaintiffs sustained certain weather-related damage to their residence at 1312 Sadler Drive, Carlisle, Cumberland County, Pennsylvania. By way of further answer, all costs reasonably related to such damages have been paid by Defendants to the plaintiffs pursuant to the policy at issue. As to the remaining allegations contained in paragraph 5 of plaintiffs' complaint, after reasonable investigation, defendants are without knowledge, infol:'mation or belief as to the truth or falsity of these remaining allegations and, as such, these allegations are denied and strict proof thereof is demanded at time of trial. - 3 - 6. The allegations contained in paragraph 6 of plaintiffs' Complaint are not directed towards Defendants and, therefore, no response is required. To the extent that a response is required, after reasonable investigation, Defendants are without knowledge, information or belief as to the truth or falsity of these allegations and, as such, these allegations are denied and strict proof thereof is demanded at time of trial. By way of further answer, reference to "early 1994" and "agents of the Defendants" is vague and undefined and as such, the allegations are denied and proof thereof is demanded at time of trial. 7. Admitted in part; denied in part. It is admitted that GAB Business Services, Inc., was appointed by Defendants to conduct claims adjustment services on behalf of Defendants with regard to plaintiffS' claim for insurance coverage for weather-related damage to the plaintiffs' residence. It is also admitted that the Defendants' claim number was OOOPOOJ26. It is denied that Defendants designated Pat Bonanni of GAB Business Services, Inc., to adjust the claim on Defendants' behalf. 8. The allegations contained in paragraph 8 of plaintiffs' complaint are not directed towards Defendants and, therefore, no response is required. To the extent that a response is required, it is admitted that Dennis E. Mitchell, tla Mitchell Restoration, performed repair work to the plaintiffs' residence. As to the remaining allegations contained in paragraph 8 of plaintiffS' Complaint, after reasonable investigation, Defendants are without knowledge, information or belief as to the truth or - 4 - falsity of these allegations and, as such, these allegations are denied and strict proof thereof is demanded at time of trial. 9. The allegations contained in paragraph 9 of plaintiffs' complaint are not directed towards Defendants and, therefore, no response is required. To the extent that a response is required, after reasonable investigation, Defendants are without knowledge, information or belief as to the truth or falsity of these allegations and, as such, these allegations are denied and strict proof thereof is demanded at time of trial. 10. Admitted in part; denied in part. It is admitted that Defendants have reirebursed the plaintiffs for work performed in connection with the repair of plaintiffs' residence as a result of w,ather-related damage. Any implication that Defendants owe any further obligation to reimburse plaintiffs for further repairs conducted in connection with weather-related damage to plaintiffS' residence, as referenced in plaintiffs' complaint, is specifically denied and strict proof thereof is demanded at time of trial. 11. Admitted in part; denied in part. It is admitted that Defendants have declined to reimburse plaintiffs for certain alleged work conducted at plaintiffs' residence and submitted to Defendants for reimbursement. It is specifically denied that the said work alleged in paragraph 11 of plaintiffs' complaint was required as a direct result of the weather-related damage to plaintiffs' home. By way of further answer, any implication that the policy of insurance at issue provides coverage - 5 - for the alleged expenscs incurrcd by plaintiffs as referenced in paragraph 11 of plaintiffs' Complaint is strictly denied, and strict proof thereof is demanded at time of trial. 12. Denied. It is specifically denied that any damages sustained and alleged work referenced in paragraph 11 of plaintiffs' Complaint constitutes repair work necessitated hy weather-related damage to plaintiffs' home which occurred in late 1993 and early 1994. Any implication that said damage is covered by the insurance policy at issue is specifically denied and strict proof thereof is demanded at time of trial. To the contrary, such expenses referenced in paragraph 11 of plaintiffs' Complaint are not covered under the insurancc policy issued to plaintiffs. 13. Denied. The allegations contained in paragraph 13 of plaintiffs' Complaint constitute conclusions of law to which no response is required. To the extent an answer is required, it is specifically denied that said damage was an insured loss under the insurance policy issued to the plaintiffS. By way of further answer, the expenses referenced in paragraph 11 of plaintiffs' Complaint are not covered under the insurance policy issued to plaintiffS. WHEREFORE, defendants demand judgment in their favor and against plaintiffs, dismissing plaintiffs' Complaint, with prejudice, and request attorney's fees, costs and other such relief as this Court deems just and proper. - 6 - "'. 1.-.. .... -. [,~ ,....~ ," ,:\ '... IU( '. ;, .,. : )..... '., - ~ :: I, t,.:., . C 1 .-~i (if '(,1 {, ("J . ,11, I .,. ;~! Lit.. II'.'" .I1lJ ..~) .'in.. r. " II, ,... ::,) Li <.n U paragraph 1 of plaintiffs' complaint, after reasonable investigation, Defendants are without knowledge, information or belief as to the truth or falsity of these remaining allegations and as such, these allegations are denied and strict proof thereot is demanded at time of trial. 2. Admitted in part; denied in part as stated. It is admitted that York Insurance company is an insurance company licensed to practice business in the Commonwealth of Pennsylvania. It is denied that PW Group/Provident Washington Group is the correct name of an insurance company licensed to practice business in the Commonwealth of Pennsylvania. By way of further answer, the current name of PW Group is Providence Washington Insurance Group. By way of further answer, Providence Washington Insurance Group and York Insurance company maintain principal offices at One Old stone Square, Providence, Rhode Island 02903. 3. Admitted in part; denied in part as stated. It is admitted that defendant, York Insurance Company provided coverage to plaintiffs pursuant to Policy No. BRH443372602, with effective dates from October 5, 1993 through October 5, 1994. It is also admitted that a copy of the said insurance policy is attached as Exhibit "A" to plaintiffs' Complaint, except that Form H0322 09/85 attached to plaintiff'S policy should actually be Form H0322 09/87. It is also admitted that Providence Washington Insurance Group issued the said policy to plaintiffs. By way of further answer, any implication that said policy provides coverage - 2 - to plaintiffs for claims referenced in plaintiffs' complaint is denied and that strict proof thereof is damanded at time of trial. 4. Admitted in part; denied in part as stated. It is admitted that the insurance policy at issue was a homeowner's policy which provided coverage for the plaintiffs' residence located at 1312 Sadler Drive, Carlisle, Cumberland county, Pennsylvania. The word "standard" as used in paragraph 4 of plaintiffs' Complaint, is vague and undefined and, as such, it is specifically denied and proof thereof is demanded at time of trial. By way of further answer, any implication that said policy provides coverage to plaintiffs for claims referenced in plaintiffs' Complaint is denied and strict proof thereof is demanded at time of trial. 5. Admitted in part; denied in part as stated. It is admitted that during the winter of 1993, plaintiffs sustained certain weather-related damage to their residence at 1312 Sadler Drive, carlisle, cumberland county, Pennsylvania. By way of further answer, all costs reasonably related to such damages have been paid by Defendants to the plaintiffs pursuant to the policy at issue. As to the remaining allegations contained in paragraph 5 of plaintiffs' Complaint, after reasonable investigation, defendants are without knowledge, information or belief as to the truth or falsity of these remaining allegations and, as such, these allegations are denied and strict proof thereof is demanded at time of trial. - 3 - ._,O!- 6. The allegations contained in paragraph 6 of plaintiffs' Complaint are not directed towards Defendants and, therefore, no response is required. To the extent that a response is required, after reasonable investigation, Defendants are without knowledge, information or belief as to the truth or falsity of these allegations and, as such, these allegations are denied and strict proof thereof is demanded at time of trial. By way of further answer, reference to "early 1994" and "agents of the Defendants" is vague and undefined and as such, the allegations are denied and proof thereof is demanded at time of trial. 7. Admitted in part; denied in part. It is admitted that GAB Business services, Inc., was appointed by Defendants to conduct claims adjustment services on behalf of Defendants with regard to plaintiffs' claim for insurance coverage for weather-related damage to the plaintiffs' residence. It is also admitted that the Defendants' claim number was OOOP00326. It is denied that Defendants designated Pat Bonanni of GAB Business Services, Inc., to adjust the claim on Defendants' behalf. B. The allegations contained in paragraph B of plaintiffs' complaint are not directed towards Defendants and, therefore, no response is required. To the extent that a response is required, it is admitted that Dennis E. Mitchell, tla Mitchell Restoration, performed repair work to the plaintiffs' residence. As to the remaining allegations contained in paragraph B of plaintiffs' Complaint, after reasonable investigation, Defendants are without knowledge, information or belief as to the truth or - 4 - falsity of these allegations and, as such, these allegations are denied and strict proof thereof is demanded at time of trial. 9. The allegations contained in paragraph 9 of plaintiffs I Complaint are not directed towards Defendants and, therefore, no response is required. To the extent that a response is required, after reasonable investigation, Defendants are without knowledge, information or belief as to the truth or falsity of these allegations and, as such, these allegations are denied and strict proof thereof is demanded at time of trial. 10. Admitted in part; denied in part. It is admitted that Defendants have reimbursed the plaintiffs for work performed in connection with the repair of plaintiffs' residence as a result of weather-related damage. Any implication that Defendants owe any further obligation to reimburse plaintiffs for further repairs conducted in connection with weather-related damage to plaintiffs' residence, as referenced in plaintiffs' Complaint, is specifically denied and strict proof thereof is demanded at time of trial. 11. Admitted in part; denied in part. It is admitted that Defendants have declined to reimburse plaintiffs for certain alleged work conducted at plaintiffs' residence and submitted to Defendants for reimbursement. It is specifically denied that the said work alleged in paragraph 11 of plaintiffs' Complaint was required as a direct result of the weather-related damage to plaintiffs I home, By way of further answer, any implication that the policy of insurance at issue provides coverage - 5 - for the alleged expenses incurred by plaintiffs as referenced in paragraph 11 of plaintiffs' Complaint is strictly denied, and strict proof thereof is demanded at time of trial. 12. Denied. It is specifically denied that any damagee sustained and alleged work referenced in paragraph 11 of plaintiffs' Complaint constitutes repair work necessitated by weather-related damage to plaintiffs' home which occurred in late 1993 and early 1994. Any implication that said damage is covered by the insurance policy at issue is specifically denied and strict proof thereof is demanded at time of trial. To the contrary, such expenses referenced in paragraph 11 of plaintiffS' Complaint are not covered under the insurance policy issued to plaintiffS. 13. Denied. The allegations contained in paragraph 13 of plaintiffs' Complaint constitute conclusions of law to which no response is required. To the extent an answer is required, it is specifically denied that said damage was an insured loss under the insurance policy issued to the plaintiffS. By way of further answer, the expenses referenced in paragraph 11 of plaintiffs' Complaint are not covered under the insurance policy issued to plaintiffs. WHEREFORE, defendants demand jUdgment in their favor and against plaintiffs, dismissing plaintiffS I Complaint, with prejudice, and request attorney's fees, costs and other such relief as this Court deems just and proper. - 6 - " ,,,0:. .,:1 :>- If, ',- ,.r; C ,. t-': .:')c.~ W" -. , ,.1 ~,... f( ',;> (.. ~. 1:..,- :>,'; tjf 1 :'J ".""- ~, , ., " C' " '.';' --.. :~ I " -~ " J . (I:' : it;] I~ - i.~ Ll. '. Lt.. , I ,) U C'\ :,j wlllOn..nl TERRY B. WILSON and CAROL L. WILSON, Husband and Wife, Plaintiffs I IN THE COURT OF COMMON PLBAS OF I CUMBERLAND COUNTY, PBNNSYLVANIA I I CIVIL ACTION - LAW v NO. 96-33 CIVIL TERM PW GROUP/PROVIDENCE WASHINGTON GROUP AND YORK INSURANCE CO., Defendants PLAINTIFFS I ANSWER TO NIlt MATTIR PlaintiffE, Terry B. Wilson and Carol L. Wilson, by their attorneys, Braujas, Gilroy , Houston, P.C., sets forth the following in response to New Matter filed by Defendants. 14 (FIRST AFFIRMATIVE Dlr....) Defendants' allegations states a conclusion of law for which no responsive pleading is required. In the alternative, Defendants' allegations is denied. Proof thereof is demanded. 15 (SICOND AFFIRMATIVE DIF..'I) Denied. On the contrary, Defendants breached the contractual and legal duty owed to the Plaintiffs. The allegations of Plaintiffs' Complaint are incorporated herein by reference thereto. 16 (THIRD AFFIRMATIVI Dlrl..I) Denied. Plaintiffs I claim is not barred by any terms of the pollcy issued to Plaintiffs. 17 (POURTH AFPIRMATIVE DEPBRSB) Admitted that Section I-Perils of the insurance policy provides, in part, as Defendants allege. Denied that Plaintiffs' claims are barred by said language. On the contrary, said language does not in any way refer to Plaintiffs' claims. 18 (PIPTH AFPIRMATIVE DBPBNSB) Denied. On the contrary, all expenses were either directly or indirectly authorized by Defendants and/or its agents. By way of further answer, Mitchell Restoration acted as agent for the Defendant in this matter and work performed by Mitchell was believed by the Plaintiffs and understood by the Plaintiffs to be authorized by Defendants. In the alternative, in that Defendants suggested and recommended Mitchell Restoration as the contractor to perform the work, any failure by Mitchell Restoration to obtain approval is attributable to Defendants. 19 (SIXTH AFPIRMATIVE DBPBRSB) Denied. On the contrary, Plaintiffs always submitted a timely proof of loss as required by the terms and conditions of the policy. In the alternative, Plaintiffs are excused from submitting proof of loss in that Defendants had information upon which they I verify that the statements in the foregoing pleading are true and correct. I understand that false statements herein are made subject to the penalties of 18 PaCS 4904 relating to unsworn falsification to authorities. - i -;A-4amf;>.W~ TERRY B. WI ON TERRY B. WILSON and CAROL L, WILSON, Husband and Wife IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL V ANJA Plaintiffs v CIVIL ACTION - LAW NO, 96 - 33 CIVIL TERM PW GROUPIPROVIDENCE WASHINGTON GROUP AND YORK INSURANCE CO" Defendants PRAECIPE TO THE PROTHONOTARY: Please mark the above captioned action settled and discontinued. Ib(:JC,! f7 Date Hubert X, Gi y, Esquire Attorney fo laintitTs ,...---"'-