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A closed sign is displayed on the door of Papacito’s restaurant due to an evacuation order Feb. 12, 2017, in Marysville, Calif. Thousands of Northern California residents were under evacuation orders after authorities warned an emergency spillway in the country’s tallest Oroville Dam was in danger of failing and unleashing uncontrolled flood waters on towns below. (AP Photo/Rich Pedroncelli))

Question: We are reviewing the date coverage is triggered under the civil authority extension of the CP0030 (Additional Coverages, a. Civil Authority) under the following circumstances:

An insured business was closed on Oct. 5 due to a mandatory evacuation ordered by civil authority. Actual damage occurred within a mile of the insured location preventing access to the property on Oct. 8, at which time the civil authority issued a notice that the area surrounding the insured location was to remain evacuated. No direct damage occurred to the insured property.

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