房屋保险单(HO)第 344 / 531 题
A supply pipe bursts, causing $6,000 of water damage to floors, and the pipe itself costs $900 to replace. A broad form pays:
a.$6,900, the full cost of the incident
b.$900, limited to the failed component
c.$6,000 for the damage the water caused
d.nothing, as the pipe wore out over time
解析
The accidental discharge peril pays for the damage the escaping water does, but the form does not cover the system or appliance the water escaped from, so the $900 pipe is the insured's cost while the $6,000 of floor damage is paid. Paying the whole $6,900 ignores that carve-out. Denying the claim outright confuses a sudden burst with the slow, repeated seepage the form genuinely excludes.
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