Question
Janet bought a condominium. The condominium declaration or master deed for her condominium association requires the association to purchase insurance to cover only the bare
Janet bought a condominium. The condominium declaration or master deed for her condominium association requires the association to purchase insurance to cover only the "bare walls," which applies only to the building structure and walls that support the structure. Janet bought an HO-6 policy to cover her unit, personal property and liability. After her purchase but before she moved in her belongs, an electrical fire damaged exterior walls, light fixtures, plumbing fixtures, wiring and a partition in her unit. Repair estimates indicated that it will cost $2,000 to repair the damage to the exterior walls and that fixing the remaining damage will cost $4,000. It will take one month to complete the repairs, during which time the unit will be uninhabitable. Which coverages from Janet's HO-6 policy may apply to her loss? Explain. (2 points)
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