Civil authority coverage under Coverage D provides coverage when civil authorities prohibit using the insured's residence due to damage in the neighborhood. True or False?

Civil authority coverage under Coverage D provides coverage when civil authorities prohibit using the insured's residence due to damage in the neighborhood. True or False?

• A. True
• B. False
• C. Only applies if dwelling is damaged
• D. Only applies to rental units

Answer: (A)

Civil authority coverage is part of Coverage D (Loss of Use) and kicks in when civil authorities ban access to your insured location after damage to nearby property caused by a covered peril. It doesn't require your own dwelling to be damaged; the restriction itself is the trigger. The coverage helps with additional living expenses or fair rental value while you’re barred from using the home, for the duration of the prohibition (usually a limited period, such as up to 14 days), and within policy limits. So the statement is true because you can be covered even if your dwelling isn’t damaged, as long as the reason for denial of access is damage in the surrounding area.

Civil authority coverage is part of Coverage D (Loss of Use) and kicks in when civil authorities ban access to your insured location after damage to nearby property caused by a covered peril. It doesn't require your own dwelling to be damaged; the restriction itself is the trigger. The coverage helps with additional living expenses or fair rental value while you’re barred from using the home, for the duration of the prohibition (usually a limited period, such as up to 14 days), and within policy limits. So the statement is true because you can be covered even if your dwelling isn’t damaged, as long as the reason for denial of access is damage in the surrounding area.