Homeowners insurance claim coverage question for agents or adjusters:?

Nope. There is no occurence. The HO3 isn't really "all risk" - that's an OLD SCHOOL misnomer. The proper description, is "risk of direct physical loss". And there hasn't BEEN any "direct physical loss".

Look to your policy - the language says, we cover what happens, due to an occurrence. An occurrence is defined as an accident, including continuous or repeated exposure to substantially the same general harmful condition which results in PROPERTY DAMAGE. Property damage means physical injury to tangible property.

There isn't any incident/accident. And there isn't any physical injury.

Sorry. Not covered. No peril, because the lack of water didn't actually DAMAGE anything. The well is still THERE. The problem is, you want water in it. Kinda like, you want food in your refrigerator, but it isn't THERE. No peril, no occurrence - except theft, maybe.

Additionally, the "structure" is the above ground frame AROUND the well. Foundations and underground are NOT covered.

I suggest that you try this internet site where onel can compare rates from different companies: http://insurecheap.us/index.html?src=5YArwfkwWA451

RE :Homeowners insurance claim coverage question for agents or adjusters:?

Homeowner calls the insurer. His 200 ft deep well has gone dry. The policy has (HO-3) all-risk coverage for "other structures". The well is an "other structure". The claimed peril is "drought". Drought is not an excluded peril. (No other cause can be identified that caused the well to go dry. There is no earth movement.) The homeowner claims the insurer owes them a new well.

Is there coverage? If covered would the replacement well be required to be drilled only to 200 ft or would it have to go down until it hit water?

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So what exactly is the damage? Are they claiming the loss of water is the damage? If so water naturally evaporates, therefore the damage is excluded because of inherent vice. The well itself is not damaged, it's what the well was holding that was lost, and as I said before the loss occurred because of inherent vice.

My aunts well went dry and caused damage to the two pumps which had to be replaced for thousands of dollars so she paid for that, plus labor, plus costs to have pipes blown out because the dirt clogged them and now her new heating burner has to be cleaned out again for the third time because of the dirt sent up by the dryer well. Shouldn t that be covered by her homeowners insurance????

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You are an adjuster and you cannot answer that question?

I think it depends