Which of the following losses to a dwelling would be excluded under all three ISO Dwelling Property forms?
a.Earth movement, including earthquake
b.Fire damage following a lightning strike
c.Wind damage from a windstorm
d.Smoke damage from a covered fire
Explanation
All ISO Dwelling Property forms exclude earth movement (earthquake, landslide, mudflow, sinkhole) as well as flood, ordinance or law, neglect, war, nuclear hazard, and intentional loss. Earthquake coverage must be purchased separately, in California typically through the California Earthquake Authority or a private earthquake policy.
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