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HO Coverage for Freezing Claims Involving Outdoor Hot Tubs

Is an outdoor hot tub Coverage A, B or C under a homeowners policy? If damaged by a covered peril, is recovery on a replacement cost or an ACV basis? If the cause of loss is freezing of a water line or equipment, is that covered or is it excluded because of the insured’s failure to maintain heat or shut off and drain the system?

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Alexandria VA 22314
​phone: 800.221.7917
fax: 703.683.7556

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