Homeowners Policy (HO)Question 319 of 474
After a small kitchen fire, the owner leaves the roof open to rain for weeks and the damage spreads. The added damage is:
a.excluded, since rain is not a peril
b.covered as ensuing water damage
c.covered as a spread of the original fire
d.excluded under the neglect exclusion
Explanation
Neglect means the insured's failure to use all reasonable means to save and preserve property at and after the time of a loss, and it is a Section I exclusion, so the damage that spreads while the building sits open is not paid even though the original fire is covered. Calling the later damage an ensuing water loss ignores that the insured's own inaction let it in.
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