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Abusing the HO "Business" Special Limit

The insured's home suffered a water loss. The damages to personal property included equipment that the insured purchased from a business that was dissolved. This equipment included a desk, bookcase, copier, and fax machine. The adjuster has advised that these items fall under the special limit of liability as "business" property. The insured does not use them in a business. Does this limitation apply?

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​127 South Peyton Street
Alexandria VA 22314
​phone: 800.221.7917
fax: 703.683.7556
email: info@iiaba.net

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