Homeowners Policy (HO)第 314 / 474 题
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:
a.both losses are covered as water damage
b.neither loss is covered by a water peril
c.the burst is covered and the slow leak is not
d.the slow leak is covered but the burst is not paid
解析
The peril is accidental discharge or overflow of water or steam, and the word that decides these two claims is sudden: a line that lets go without warning qualifies, while constant or repeated seepage over a period of time is treated as a maintenance failure and excluded. Reading both as covered water damage ignores the sudden-and-accidental requirement built into the peril.
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同考点相关题目
- Which of these is a named peril insured against on a broad form Homeowners policy?
- 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:
- A landslide shifts the ground under a house and cracks the foundation. Under Section I the loss is:
- 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:
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