I have taught insurance coverage over the years and just saw an excellant example of "direct physical loss to property" this was a case of a domestic house cat trapped behind the sheetrock of a house being constucted in Winslow, AZ. The owner closed and moved in and heard "meow" over the kitchen ceiling several days ago and cut 4 holes to remove the cat, this made the poor cat to move and todays photos showed a bath room wall removed.  Yep all covered under the HO-3 subject to the # 2 deductible.

Q. How many other "odd" risk of losses are in the old timers memory ?

My nephew has worked for one of the major flooring/tiling companies in Omaha for about 15 years. He had this happen to him on a bathroom remodel job in his early days.  Tore out the old tub surround & flooring, prepped the walls & floor, and applied the adhesive to set while he left to go to lunch.  Returned with his helper and set the remainder of the tile.  The boss man received a call from the homeowner after midnight as she could hear her cat crying in the wall behind the tub.  She been gone all day & night so hadn't missed it yet.  Turns out the cat crawled into the cavity between the tub & wall while my nephew was gone and they tiled it in without any idea.  The boss man went over to her house that same night about 1a.m. , and cut a small hole in the bedroom closet drywall behind the tub returning Felix to his freedom again. He also patched the hole, and painted the wall the next day.  They had a good laugh over it, and ended up doing new carpeting, wood floors and counter tops for the same lady.

Well this cat story does not count as an "insured" peril as it was a cat behind the wall story. But to spice things up look at the  16 perils in coverage C and I do not think we will be able to remember or hypo a dozen more. One down and eleven to go. I have a hypo but will save it for Saturday.  Think, think its not that easy to find all these "open policy" type claims, Is it ?

I remember a picture of a bunch of Holsteins on a front porch of an insureds  house that was high ground in the fenced in acreage. The porch was damaged  but was excluded loss as the animals were owned by the insured.

Anyone also see non concurrent causation ? On the HO and flood policy.

I have a little bit of a morbid one where named insured owned a rental house with all risk coverage-pretty nice place. Tenant was sitting on the toilet taking care of business and keeled over dead, falling off of the toilet and landed on the HVAC vent on the floor. Stayed there for maybe up to a week before discovery, and in the process parts of the body deteriorated and "melted" down into the duckwork. HVAC continued to run all this time spreading the severe odor of death throughout the entire risk. Was a very severe loss as you can imagine all the areas the odor penetrated throughout the property. Also a lot of hard research to determine if any of the exclusione would/could apply such as contamination, but loss was considered covered.

Had another similiar one on an auto policy involving one of those customized handicap vans-high dollar van.  Named insured was parapalegic, was held up and shot in his van and the van was left in a parking lot that always had cars in it.  In Okla in the summer time and after a few days a distinct odor came from it, police called and the body was discovered.  Van was totalled out due to the smell not being able to be taken care of.

I have worked several dead body claims in my claims history. That odor just cannot be removed from the car. USAA spent a ton of money on one claim in an attemp to remove the odor. It was a very high end auto and they wanted it repaired.  We ended up totaling the car and the salvage yard burned out the interior before compacting it.

You're absolutely right, Ray...when you narrow it down to Cov C & those 16 perils.  The oddball "covered" claims are harder to find.  Take the 8-year old helper when Mom's been doing laundry.  Little Precious follows Mom out of the wash room with the bleach bottle and no lid on it.  It's dripping/splashing out all the way across the house and up the staircase to the far bedrooms.  OK, we have coverage for the damage to the attached carpeting, but that $3500 Oriential throw rug on the wood dining room floor is personal property so there's no coverage for it.

Mom then sends Little Precious (who is also a tomboy) outside to play ball.   With 2 out in the bottom of the 9th, she slaps one foul and thru the picture window knocking a collection of crystal figurines to the floor where they shatter.   Do you say  this is covered as a "falling object", or is it no coverage for the personal property?     

The 4 year old who runs through grand maws house with a glass of red kool aid would be the same as bleach, but the infant who is all dressed and has an explosion and mom puts all the garments in the laundry sink, turns on the water to make better and her phone rings and the heavy fabric falls to the drain hole and stops up the sink and floods the downstairs or both floors this is # 4. How about the 4 year old who wants to be a big boy and fills the bath tub with bubble bath and floating toys and then goes out side to play with the dog and the tub over flows when one of the toys is sucked into the overflow drain. Thats 5 and I am worn out. I need help to get 7 more .