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Perspective

Nov. 14, 2012

What kind of damage does a homeowner's policy cover?

A personal account of a homeowner's claim. By Chet A. Kronenberg of Simpson Thacher & Bartlett LLP


By Chet A. Kronenberg


In 2006, the plaster ceiling in our family's dining room suddenly collapsed, smashing to pieces our glass dining room table and destroying our wood floor. Luckily, nobody in our family was in the dining room at the time of the collapse.


We called our insurance company, which retained an engineering services firm to conduct an inspection. The engineering firm determined that, in light of additional cracks and sagging in the cei...

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