Quote History Quoted:
As you note, "fault in the property" might not include ammunition. That line is fairly ambiguous.
View Quote
Agreed its pretty ambiguous and the only scenario I could think of where you would "maybe" be covered would be if you accidentally loaded the wrong ammunition into the gun and blew it up.
This is more of an owner or user error induced damaged scenario, more akin to leaving the gun leaning up against the bumper of your buddies truck and you or him backing over it.
In this very specific incompatible ammo scenario neither the gun nor the ammunition (both covered property items) caused the failure due to a quality or fault of the property as both were fine until incorrectly matched together resulting in damage.
If the bolt or lugs on a machinegun give way due to age or defect and/or the gun fails due to the correct ammunition you shot which was overcharged/undercharged, etc. those scenarios are clearly a fault or quality issue with the insured "property".
Whatever the legal mumbo jumbo this all actually means and if you could sue them over a specific exclusion scenario I don't know.... however the net of my conversation with Jack at Historic at the time was don't expect them to willingly pay up if the gun blows up when you are shooting it.