What’s the effect of government activity on insurance coverage?

When a civil authority orders an evacuation when is coverage triggered? If the zoning use changes for your commercial property do you have to replace it with the same kind of building? See the answers from our coverage experts.

By FC&S Editors | Updated on February 15, 2017

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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