The following question was in Unit 4 and Lesson 3 however it is clearly not factual.

"What perils are covered in the basic form DP-1?

True or False: The "Perils Insured Against" section of the dwelling policy states the causes of loss covered by the policy. Form DP-1 provides coverage for the causes of loss stated in the form. If the declarations page of the policy for form DP-1 states fire is covered, the form covers fire, lightning, internal explosion (meaning explosion within the covered property), and sinkhole collapse. Sinkhole collapse coverage is mandatory (all property policies are required to carry sinkhole collapse coverage) in Florida. If the declarations page of the policy for form DP-1 states "Extended Coverage" or "EC" coverage is provided in the policy, the perils of windstorm, hail, explosion (including external explosions not covered under the peril of fire internal explosions), riot or civil commotion, aircraft, vehicles, smoke (excluding smoke from fireplaces, agricultural smudging or industrial operations), and volcanic eruption are covered. The additional peril of vandalism and malicious mischief (commonly known as VMM) may be added to the DP-1 form. VMM coverage excludes damage to building glass, and crime losses (except building damage caused by burglars). VMM coverage does not apply if the building was vacant for 60 or more consecutive days immediately preceding the loss."

According to the above statement, the answer should be FALSE, since it states that Florida Law mandates that every property is required to have Sinkhole insurance coverage. That is ABSOLUTELY false. Florida law only mandates that property is insured against "Catastrophic Ground Cover Collapse". Sinkholes and Catastrophic Ground Cover Collapse are two completely diffferent perils and in fact alot of insurance companies in this state DO NOT EVEN OFFER sinkhole coverage. Someone may want to do some fact checking for this section. :)