Haag Engineering Company

Yesterday’s post, Physical Damage is Needed to Collect for Loss of Warranty, may lead some to think that property insurance policies require “structural” or a “functional” destruction before coverage is not afforded. This simply is not true. Alterations to the physical appearance of a structure or personal property are covered so long as the cause is a covered peril.


Continue Reading Cosmetic Damage is “Physical Damage” and Recoverable Under a Property Insurance Policy