Question 37

Earth movement is an excluded cause of loss under the general exclusions section of the Dwelling Basic Form Policy.

Earth movement is specifically listed as an excluded cause of loss in the general exclusions of the Dwelling Basic Form Policy, meaning that damages resulting from such movements are not covered by the policy.

A) Riot

Riot is not an excluded cause of loss under the general exclusions section; rather, it is typically covered in many insurance policies. This means that if property damage occurs due to a riot, it would generally be eligible for coverage under the Dwelling Basic Form Policy.

B) Earth movement

Earth movement is indeed an excluded cause of loss as per the general exclusions in the Dwelling Basic Form Policy. This includes damage from events such as earthquakes, landslides, and similar geological activities, which are not covered by the policy.

C) Fire

Fire is not excluded under the general exclusions section; in fact, it is usually a covered peril in most dwelling insurance policies. Therefore, any losses incurred due to fire would typically be compensated by the insurance policy, contrary to excluded causes of loss.

D) Aircraft

Aircraft is not an excluded cause of loss under the general exclusions section of the policy. In many cases, damage caused by aircraft is covered unless specifically stated otherwise in the policy provisions.

Conclusion

Earth movement is definitively the correct answer as it is explicitly excluded from coverage in the Dwelling Basic Form Policy, unlike riot, fire, and aircraft, which are generally covered events. The distinction is crucial for policyholders to understand the limitations of their coverage and the specific risks that are not insured.