On the Third Day of Insurance Christmas… Homeowner’s Insurance Policy

New Mexico Homeowners insurance“On the third day of Christmas my true love gave to me three French hens, two turtle doves, and a partridge in a pear tree”
In our continuing saga of Christmas we now explore the three French hens.  Of course these three French hens do multiply as your true love gives tree more hens for another eight days, that’s a total of twenty-seven French hens, and if anybody has ever spent more than a few moments with hens, be they French or any other type of hens, you’ll agree that they are messy, smelly, and destructive creatures.   Now, to make this case even worse we’ll agree that you were away on vacation during the days just prior to Christmas so that when you come home you are greeted by all twenty-nine hens that have been busy for the last nine days destroying your home by now thousands of dollars of damage have been the end result of your true loves gift.  Just my opinion, but you must really love him if you still want to keep him around. 
The question is:  Is this covered under my homeowner’s insurance policy?  Well, to answer that question I’ll need to ask if you have an HO2 or an HO3.  The HO2 is an outdated policy that is rarely used except in some situations where the insurance company is unwilling to right an HO3 because they have questions regarding the general upkeep and maintenance of the property, or if the property has been uninsured for a considerable length of time.  The biggest difference is that the HO2 names specific coverages that are provided by the policy, they are as follows:  Fire; or lightning; windstorm or hail; explosion; riot or civil commotion; aircraft; vehicle; smoke; vandalism or malicious mischief; theft; volcanic eruption; falling objects; weight of ice, snow, or sleet; accidental discharge or overflow of water of steam; sudden and accidental tearing apart, cracking, burning, or bulging; freezing; sudden and accidental damage from artificially created electrical current.  The three French hens don’t appear on this list and therefore the damage caused by them is not covered under your HO2.
The HO3 insures the property and then lists specific things that it won’t insure it for.  These exclusions are as follows:  Ordinance or law; earth movement; water damage; power failure; neglect; war; nuclear hazard; intentional loss; governmental action; loss to property as a result of faulty zoning, bad repair or workmanship, faulty construction materials and defective maintenance.  If you had been present during the nine days that you were receiving the three French hens then the insurance company could deny the claim based on neglect; but in our case you were away on vacation and had no idea of the damage, therefore the damage is covered under your HO3. 
Call your insurance agent and ask what policy form you have.


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