78. Which of the following collapse losses would be covered under a HO-3?
Answer: A
Weight of snow is a collapse loss covered under a HO-3.
A collapse caused by the weight of snow is specifically included in the coverage provided by a HO-3 policy, which generally covers structural damage due to certain perils.
A) Weight of snow.
This option is correct because a HO-3 policy includes coverage for losses resulting from the weight of snow, which can lead to structural collapse. This type of damage is considered a peril that is specifically listed in the policy's provisions.
B) Known insect damage.
This option is incorrect as known insect damage typically falls under maintenance issues and is often excluded from coverage under a HO-3 policy. Homeowners are usually responsible for preventing and repairing damage caused by insects.
C) Earth movement from a volcanic eruption.
This option is incorrect because losses due to earth movement, including volcanic eruptions, are generally excluded from coverage under a HO-3 policy. Such natural disasters are not included in the standard coverage, emphasizing the need for separate policies for these risks.
D) Defective workmanship completed 2 years ago.
This option is also incorrect as defective workmanship is not covered under a HO-3 policy. Coverage typically excludes damage that arises from construction defects or poor workmanship, regardless of when it occurred.
Conclusion
Weight of snow is the only option that aligns with the coverage provisions of a HO-3 policy, which explicitly includes losses due to snow accumulation. All other options represent types of damage that are either excluded or not covered due to negligence or inherent maintenance responsibilities.