房屋保险单(HO)第 343 / 531 题
The compressor in a six-year-old air conditioner burns out on a home insured on an open-perils form. The repair is:
a.covered once the insured proves no neglect
b.covered up to the Coverage C special limit
c.covered, as open perils has few exclusions
d.excluded as wear, tear and breakdown
解析
Open perils shifts the burden onto the insurer to name an exclusion, and wear and tear, deterioration and mechanical breakdown are among the exclusions the form keeps. A worn compressor is a maintenance cost rather than a fortuitous loss, so the claim fails on any homeowners form. Proving the absence of neglect does not help, because this exclusion does not turn on the insured's conduct.
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