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Thermal damage to Vinyl Siding…Covered by an HO Policy?

A homeowner has his vinyl siding painted a darker color. Direct or reflected sunlight then causes the siding to warp. Does his HO policy cover this damage? If liable, does a neighbor’s HO policy cover a liability claim that the damage was due to reflected light from the neighbor’s windows? To answer the question of whether the painter’s CGL policy might respond, check out this VU article.

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