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Does the HO 'Neglect' Exclusion Apply to Roof Snow Accumulation?

What if snow that accumulates on a roof over time results in collapse? Could the carrier deny the claim, citing the "Neglect" exclusion in the HO policy due to the insured's failure to have the snow removed? Below is an "Ask an Expert" question and the responses of our faculty members. As always, if you have anything to add, send an email to

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