房屋保险单(HO)第 342 / 531 题
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
解析
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.
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