An earthquake ruptures a gas line and the fire that follows destroys the house. On an unendorsed homeowners form:

Explanation

Earth movement is excluded, but the form gives back loss caused by a fire that ensues, so the shaking damage falls on the insured while the fire damage is paid. Denying everything because a quake started the chain reads the exclusion more broadly than it is written. Paying the entire loss ignores that cracked walls and foundation damage from the shaking itself stay excluded.