Is collapse of a structure due to hidden decay covered under all dwelling forms?

Is collapse of a structure due to hidden decay covered under all dwelling forms?

• A. True
• B. False
• C. Only under DP-3
• D. Only for structures older than 50 years

Answer: (B)

Collapse of a structure due to hidden decay is not covered under all dwelling forms because the standard dwelling policy typically provides specific limitations and exclusions for certain types of damage. Hidden decay refers to structural damage that is not visible and may be gradual, such as rot or mildew. In standard dwelling policies, while some forms like the DP-3 (Special Form) may provide broader coverage for perils, hidden decay is often excluded unless it results from a covered peril. Most policies require that damage be due to a sudden and accidental event rather than gradual deterioration. This is why the statement is false, as not all forms will universally provide coverage for this specific type of collapse due to hidden decay.

Collapse of a structure due to hidden decay is not covered under all dwelling forms because the standard dwelling policy typically provides specific limitations and exclusions for certain types of damage. Hidden decay refers to structural damage that is not visible and may be gradual, such as rot or mildew.

In standard dwelling policies, while some forms like the DP-3 (Special Form) may provide broader coverage for perils, hidden decay is often excluded unless it results from a covered peril. Most policies require that damage be due to a sudden and accidental event rather than gradual deterioration. This is why the statement is false, as not all forms will universally provide coverage for this specific type of collapse due to hidden decay.