Homeowners Policy (HO)第 320 / 474 题
A city condemns and demolishes a house for a zoning violation. On a Homeowners policy this loss is:
a.excluded as governmental action
b.covered under the ordinance rule
c.covered as a collapse of the building
d.excluded as neglect by the owner
解析
Governmental action means the destruction, confiscation or seizure of property by order of a public authority, and it is one of the standard Section I exclusions, so a demolition ordered by the municipality is not an insured loss. The collapse answer describes an abrupt structural failure from a listed cause, not a deliberate teardown carried out under a public order.
免费刷完整 474 道题库 — 无需注册。
Own the complete Personal Lines Insurance Producer guide — PDF + EPUB, $19.99 →
同考点相关题目
- 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:
- After a small kitchen fire, the owner leaves the roof open to rain for weeks and the damage spreads. The added damage is:
- Which of these is excluded from Coverage C on a Homeowners policy?
- A homeowner rents a spare bedroom to an unrelated boarder. The boarder's furniture and clothes are:
- A dwelling would cost $400,000 to replace and carries Coverage A of $340,000. A covered fire causes $50,000 of repair cost, whose depreciated value is $38,000. The policy pays:
最近核对： · 审核流程
PrepPass 团队 · 依据官方资料核对 California Personal Lines Insurance License Exam · 我们如何核对