“Discharge of a nuclear weapon will be deemed a warlike act even if accidental.” — Excerpt from my house insurance policy
5 thoughts on “Quote of the Day”
Do they define “weapon”? Suppose that I had a nuclear power plant in my basement and it exploded, would it then be considered a weapon?
If the word isn’t defined, any reasonable definition the policyholder wants to use gets used. Contracts of adhesion are pretty awesome like that.
Alas, any kind of “nuclear hazard” is also an explicit exception.
Does that mean it includes damage as a direct result of solar activity, including radiation of said celestial body?
I’m not sure. That may fall under “normal wear and tear”, or something like that.
I haven’t gone through my policy very thouroughly yet. Reading it feels much like a game of Nomic. There are about a dozen endorsements to the “core” policy, each for things like Massachusetts-specific conditions or additional coverage I’ve apparently purchased. Each of them deletes, changes, and adds text to the core policy and to each other. I may end up scanning and OCRing it in order to apply each of the changes to the appropriate section to read what my current policy actually says.
Do they define “weapon”? Suppose that I had a nuclear power plant in my basement and it exploded, would it then be considered a weapon?
If the word isn’t defined, any reasonable definition the policyholder wants to use gets used. Contracts of adhesion are pretty awesome like that.
Alas, any kind of “nuclear hazard” is also an explicit exception.
Does that mean it includes damage as a direct result of solar activity, including radiation of said celestial body?
I’m not sure. That may fall under “normal wear and tear”, or something like that.
I haven’t gone through my policy very thouroughly yet. Reading it feels much like a game of Nomic. There are about a dozen endorsements to the “core” policy, each for things like Massachusetts-specific conditions or additional coverage I’ve apparently purchased. Each of them deletes, changes, and adds text to the core policy and to each other. I may end up scanning and OCRing it in order to apply each of the changes to the appropriate section to read what my current policy actually says.