Póliza de Propietarios (HO)Pregunta 347 de 531
An earthquake ruptures a gas line and the fire that follows destroys the house. On an unendorsed homeowners form:
a.nothing is paid, as a quake began it
b.the fire damage is paid as an ensuing loss
c.the entire loss is paid, fire being a peril
d.only the gas line repair is excluded
Explicación
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.
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