What is there to sort out? You either have the exclusion or you don’t. And why are people still waiting to hear from the carrier? It’s 117 properties. That isn’t a lot compared to the damage a hurricane or hailstorm does. If the insured knows for sure their structure is gone, it should a quick settlement or denial and then move on.
I would say that if the lava is still there the carrier can’t do a proper investigation of the claim because no one is allowed to look at it, so they can’t say whether the underlying cause of loss is covered, no loss of use coverage then.
What is there to sort out? You either have the exclusion or you don’t. And why are people still waiting to hear from the carrier? It’s 117 properties. That isn’t a lot compared to the damage a hurricane or hailstorm does. If the insured knows for sure their structure is gone, it should a quick settlement or denial and then move on.
Volcanic eruption is not man’s fault. Not in Hawaii or Guatamala.
I would say that if the lava is still there the carrier can’t do a proper investigation of the claim because no one is allowed to look at it, so they can’t say whether the underlying cause of loss is covered, no loss of use coverage then.