Póliza de Propietarios (HO)Pregunta 342 de 531
Ash and blast from a volcanic eruption damage an insured dwelling. Under a standard homeowners form the loss is:
a.covered, as volcanic eruption is a peril
b.covered only with an earthquake endorsement
c.excluded unless a fire follows the ash
d.excluded, as a form of earth movement
Explicación
Volcanic eruption sits on the named perils list and pays for the blast, the airborne shock wave and the ash and dust it deposits. Earth movement, which takes in the land shock waves before and after an eruption as well as earthquake and landslide, stays excluded and needs a separate endorsement or policy. Treating the ash damage as earth movement is the trap these two topics create.
Practica las 531 preguntas gratis — sin registro.
Own the complete California Property & Casualty Broker-Agent guide — PDF + EPUB, $24.99 →
Preguntas relacionadas de este tema
- Two policies each carry $60,000 of Coverage C: one is a tenants HO-4 and the other a unit-owners HO-6. Their loss of use limits are:
- A covered fire forces a family out of the home for eight months, and the policy expires four months into the repairs. Loss of use:
- A limb punches a hole in the roof and the rain that follows ruins a $1,800 rug. On a broad form, the rug is:
- The compressor in a six-year-old air conditioner burns out on a home insured on an open-perils form. The repair is:
- A supply pipe bursts, causing $6,000 of water damage to floors, and the pipe itself costs $900 to replace. A broad form pays:
- Wind-driven waves and rising tidal water push seawater through a home's ground floor. A standard homeowners form treats this as:
Última revisión: · proceso editorial
Equipo de PrepPass · Verificado con California Property & Casualty Insurance License Exam · Cómo revisamos