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Memorial Day and The War Clause in Property Insurance Polices | Property Insurance Coverage Right Blog



Memorial Day is a special time to remember the men and women who have given their lives during the service of our country's military. A History Channel has this note about the beginning of this special holiday:

In May 1868, General John A. Logan, the commander of the Union Veterans Group, known as the Republic's Grand Army, issued a decree that May 30 would be a nationwide day of remembrance for the more than 620,000 soldiers killed during the recently ended civil war. On the day of decoration, as Logan called it, Americans should lay flowers and decorate the graves of the war dead "whose bodies are now in almost every town, village and cemetery in the country."

After the war Logan, who had served as a US congressman before retiring to join the army, returned to his political career, eventually serving both in the House and Senate and was the unsuccessful Republican the candidate for vice president in 1

884. When he died two years later, Logan's body is placed in a state in the US capital's roundabout, making him one of only 33 people to have been honored. Today, Washington, D.C.'s Logan Circle and several parishes across the country are named to honor this champion of veterans and those killed in battle.

Does property insurance cover property destroyed during war? The answer is almost always "no." As mentioned in an excellent IRMI article, "Special Causes of Loss: War and Military Action Exclusion," 1 property insurance has a "War Clause" exclusion that will look like this:

f. War and military action

(1) War, including undeclared or civil war;

(2) War measures of a military force, including measures to prevent or defend against a real or anticipated attack by any government, sovereign or other authority using military personnel or other agents; or

(3) Rebellion, rebellion, revolution, unparalleled power or measures taken by the state authority to prevent or defend any of them.

While enjoying your Memorial Day Weekend, please take a few moments to thank those who made the greatest sacrifice so that those of us could live in freedom in this great country, the United States of America.

Tomorrow afternoon at. 14.00 EST I will be with Kelly Kubiak at a livestream event regarding Examinations Under Oath . I hope you can participate.

Thought for the day

If you can save a place inside you and save a look back when you go to the places they can no longer go. Don't be ashamed to say you loved them, though you may not always have. Take what they have left and what they have taught you when they die and hold it with your own. And during the time when men decide and feel safe to call the war crazy, take a moment to embrace the soft heroes you left behind.
—Major Michael Davis & # 39; Donnell, January 1, 1970 [19659017] _________________________________
1 Special Causes of Loss Form: War and Military Action Exclusion . IRMI (subscription required) https://www.irmi.com/online/cpi/ch005/cp10300917/b1f-war-and-military-action-exclusion.aspxebrit19659020]
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