Homeowners Policy (HO)Câu 315 / 474
A landslide shifts the ground under a house and cracks the foundation. Under Section I the loss is:
a.excluded under earth movement
b.excluded as a water damage loss
c.covered as a falling-object loss
d.covered under the collapse peril
Giải thích
The earth movement exclusion sweeps in earthquake, landslide, mudflow, sinkhole collapse and the settling or shifting of the ground, which is why quake coverage has to be bought back separately. Calling it a water damage loss picks the wrong exclusion, and the falling-object peril is about something striking the building from outside, not the ground moving beneath it.
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Câu hỏi liên quan cùng chủ đề
- Vandalism or malicious mischief is a named peril, but that coverage is suspended when:
- A homeowner leaves for the winter, shuts the heat off, and the pipes burst. The freezing loss is covered only if the insured:
- One house has a supply line burst and flood a kitchen; another has a pipe that dripped inside a wall for two years. On a broad form:
- Heavy rain overloads a public sewer and water backs up into a basement. On an unendorsed Homeowners policy the damage is:
- Fire destroys most of an older home and the current code requires the rest be rebuilt to new standards. That extra cost is:
- An off-premises transformer fails, a freezer thaws, and the food spoils. On a standard form the food loss is:
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