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 is closed on 10/5 due to a mandatory evacuation ordered by civil authority. Actual damage occurs within a mile of the insured location preventing access to the property on 10/8, at which time the civil authority issues a notice that the area surrounding the insured location is to remain evacuated. For this example we are assuming no direct damage occurred to the insured property.

Our current interpretation of the language is the civil authority extension is triggered on 10/8 when the damage occurs within a mile of the insured property, preventing access, and therefore damage and the 72 hours begin at that time.