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Wear and Tear and the HO Policy

An insured’s party guest wore spiked high heels that left major dents in his home’s hardwood floors. The adjuster has denied the damage, citing the “marring” and “wear and tear” exclusion and suggests the insured file a claim against the guest’s policy. Does the ISO HO-3 homeowners form cover this type of loss?

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Alexandria VA 22314
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fax: 703.683.7556

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