Endorsements & Optional CoveragesPregunta 438 de 474
An earthquake endorsement is needed because a standard homeowners form:
a.Excludes earth movement, but covers an ensuing fire
b.Covers earth movement up to a tenth of Coverage A
c.Covers earthquake only if the home is a total loss
d.Excludes any fire that follows a quake or landslide
Explicación
Earth movement, including earthquake, is excluded from the standard form, so the peril has to be added by endorsement or bought as a separate policy. The exclusion does not reach an ensuing fire: if a quake topples a heater and the house burns, the fire loss is covered because fire is an insured peril. The answer that denies fire following a quake states the exclusion far too broadly.
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