Question from Unit 4

Question from Unit 4

by Victor Acevedo -
Number of replies: 1

I've gotten a few questions incorrect on this Unit because of the verbage. Getting this particular question wrong is bugging me so I deciced to post...

Your answer : False

You got it wrong,  Sorry!

" All dwelling forms contain the following exclusions: (1) loss from enforcement of any law regulating use, construction, demolition or repair of property; (2) earth movement; (3) water damage from flood, rising waters, backing up of sewers or drains, overflow from a sump pump or subsurface water; (4) damage caused by power interruption if the damaged power source is off the insured premises; (5) neglect of the insured in protecting property from damage; (6) war; (7) nuclear hazards; and (8) intentional loss. Outside lawns, trees, shrubs or plants are excluded from coverage on form DP-1.  " is the correct response to:

What are the general exclusions applicable to all dwelling forms?

The reason I choose false is because the answer left out "(9) governmental action" which the book clearly states.

In reply to Victor Acevedo

Re: Question from Unit 4

by Jan Bradburn- -

Victor,

The question is asking if the Dwelling Policy contains the following exclusions.  The answer is "yes".  The policy excludes all of the losses listed in the answer.  It doesn't have to list every exclusion in order to be true.

If I say "Apples, oranges and grapes are fruit." the statement is true even if I don't include pears, melon and peaches.  Be careful of these types of questions on the state exam.  Read the question twice and determine what is being asked and then answer only the question and try not to read other information into the question(s).

Please let me know if you have other question.

Jan