A large, ornate wooden bowl was scheduled on the insured's HO policy. The bowl was accidentally broken and the insurer denied the claim citing the exclusion for "breakage of art glass windows, glassware, statuary, marble, bric-a-brac, porcelains and SIMILAR FRAGILE ARTICLES." Is a wooden bowl a "fragile" article? This article will discuss this issue, including an extremely important legal principle that may apply to many claims.

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