Georgia Adjuster Practice Test

Coverage D - Loss of Use on the Homeowners forms provides coverage for "Civil Authority Prohibits Use" for what duration?

1. No more than one week

2. No more than two weeks

3. No more than one month

4. No time limit specified

The correct answer is: No more than two weeks

Coverage D - Loss of Use is designed to provide homeowners with financial assistance when they cannot use their home due to a covered peril. The specific provision known as "Civil Authority Prohibits Use" refers to situations where a civil authority (such as local or state government) issues an order that restricts access to the home, often in response to a disaster or emergency situation. In this context, the correct answer indicates that the coverage lasts for no more than two weeks. This duration is crucial as it sets a limit on the amount of time a homeowner can claim expenses for loss of use due to civil authority actions. An understanding of this time frame is important for homeowners to effectively manage their claims and expectations during a disruptive event. This two-week limit is generally established in homeowners insurance policies to ensure that coverage is not open-ended while still providing some financial relief for loss of use circumstances where civil authorities are involved. This timeframe encourages timely recovery and return to normal living conditions.