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The Wear and Tear Exclusion Revisited

One of the most misunderstood policy provisions is the family of exclusions that deal with wear and tear, mechanical breakdown, etc. So far, we've published articles on mechanical breakdown under the HO and PAP policies and on wear and tear under a commercial property form. In this issue, we'll examine a collapse claim under the HO policy that was denied on the basis of wear and tear.

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