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derph - I don't know much about the Homeowners forms anymore. Like I said at the beginning, I took the exam years ago, and this isn't something that I need to know for my job. My gut tells me that the answers are 1) yes 2) then it's covered at ACV 3) I don't know.
Sorry, but this stuff really isn't my thing. I don't know much about it. If you've got questions about commercial coverage, I'm much more likely to be helpful.
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"They that can give up essential liberty to obtain a little temporary safety deserve neither liberty nor safety." - B. Franklin
"There ought to be limits to freedom." - George W. Bush
"We have met the enemy and he is us." - Pogo
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