An insured owns and operates a truck with a snow plow. While detached in his yard, the plow was damaged by a tree uprooted in a windstorm. The truck is insured on a BAP with collision and comprehensive coverage and the cost new of the vehicle included the value of the plow. The insurer has denied the claim saying the BAP doesn't cover detached equipment the plow should have a floater on it when detached. What do you think?

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