We lost our home on two acres in the CZU fires in California, which included an unattached studio. The studio is clearly covered under “Other Structures.” In our rebuild, we are building in town on a very small 4,200 sq foot lot, so the studio is being built above the garage, with a shared wall to the primary dwelling.
Our insurance is denying payout of the “Home Protector” (extended coverage). They say “However, the ADU/Studio is permanently attached to the primary dwelling and as such does not meet the criteria for coverage on the Other Structures Protection. For this reason, the Home Protector Endorsement, HO-125 (07-08), only applies to the Dwelling.” Is there any provision specific to California (or in general) that allows us to rebuild the unattached studio in other configurations (attached) to the main structure?