Which losses are excluded by the nuclear hazard clause in a homeowners policy?

Which losses are excluded by the nuclear hazard clause in a homeowners policy?

• A. Losses due to nuclear and radioactive contamination
• B. Losses due to flood
• C. Losses due to theft
• D. Losses due to wildfire

Answer: (A)

Nuclear hazards are excluded from a homeowners policy: damage caused by a nuclear reaction, radiation, or radioactive contamination is not covered, regardless of how the incident starts. This means losses from a nuclear event are not paid under the policy. The other options aren’t addressed by this exclusion—flooding typically needs a separate flood policy, theft is usually a covered peril under a standard policy, and wildfire is generally a covered peril unless specifically restricted by the policy. So the losses barred by this clause are those due to nuclear and radioactive contamination.

Nuclear hazards are excluded from a homeowners policy: damage caused by a nuclear reaction, radiation, or radioactive contamination is not covered, regardless of how the incident starts. This means losses from a nuclear event are not paid under the policy. The other options aren’t addressed by this exclusion—flooding typically needs a separate flood policy, theft is usually a covered peril under a standard policy, and wildfire is generally a covered peril unless specifically restricted by the policy. So the losses barred by this clause are those due to nuclear and radioactive contamination.