Which of the following is excluded under water damage/water exclusion in HO3?

Which of the following is excluded under water damage/water exclusion in HO3?

• A. Flood caused by a hurricane
• B. Fire damage
• C. Theft
• D. Vandalism

Answer: (A)

In HO3, the water damage exclusion is meant to bar losses caused by flooding—water coming from outside the dwelling, such as storm surge or rising floodwaters during a hurricane. The policy can still cover water damage from internal sources (like a burst pipe or a malfunctioning appliance), but it does not cover flood. So flood caused by a hurricane is excluded under this exclusion. The other options aren’t water-flood losses: fire damage isn’t a water-related loss and is treated as a separate peril, while theft and vandalism are not water perils and are addressed under different coverage areas.

In HO3, the water damage exclusion is meant to bar losses caused by flooding—water coming from outside the dwelling, such as storm surge or rising floodwaters during a hurricane. The policy can still cover water damage from internal sources (like a burst pipe or a malfunctioning appliance), but it does not cover flood. So flood caused by a hurricane is excluded under this exclusion.

The other options aren’t water-flood losses: fire damage isn’t a water-related loss and is treated as a separate peril, while theft and vandalism are not water perils and are addressed under different coverage areas.