Policyholder claim for loss of outbuilding will be covered

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Reference no: EM133659303

You are a claims handler for an insurer. A policyholder has a commercial combined policy covering their property. Fire is an insured peril; escape of water is an excluded peril and theft is an uninsured peril. A fire broke out at the policyholder's premises, which resulted in damage and led to the policyholder making a claim for the following:

• Total loss of an outbuilding.

• Damage to items stored in an adjacent building caused by water damage when the fire in the outbuilding was extinguished by the fire service.

• Theft of items stored in another adjacent building, which occurred whilst the fire was being extinguished.

1. Explain, with justification, whether the policyholder's claim for the loss of the outbuilding will be covered. Refer to one relevant Irish case in support of your explanation,

2. Explain, with justification, whether the policyholder's claim for the items in the adjacent building that were water damaged will be covered. Refer to one relevant irish case in support of your explanation.

3. Explain, with justification, whether the policyholder's claim for the theft of the items in the other adjacent building will be covered. Refer to one relevant Irish statute in support of your explanation.

Reference no: EM133659303

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