Riteway Builders, Inc. v. First National Insurance Co. of America

We do not know whether the endorsement was attached at the time of issuance’ of the policy or was attached subsequently. However, this is immaterial because at the time of the collapse what constituted the policy included coverage against the peril of collapse. Endorsements insuring against perils added to the standard form of policy, either at the time of execution or later, are or become a part of the policy and do not constitute separate and distinct policies.

The standard policy is set forth in sec. 203.01, Stats., and its use for insuring against fire and lightning is mandatory by sec.…