The potential for loss is especially substantial when a dwelling is furnished during the course of its remodeling. It is notable that collapse must have occurred during the performance of the work. It is reasonable that special treatment is given to an awning, fence, patio, pavement, swimming pool, underground pipe, flue, drain, cesspool, septic tank, foundation, retaining wall, bulkhead, pier, wharf or dock. This is a specific exclusion, with respect to collapse coverage, under Additional Coverages and Incidental Property Coverages in the pertinent forms. Damage from long-term events is not a subject for insurance.
Property insurance covers sudden occurrences.
That is its commonly understood meaning. The present pertinent policy language is a product of lengthy claims experience with the exposure and constant attention to language clarification to delineate the scope of coverage. The peril was included in the Perils Insured Against section of policies a decade ago. Two cases in particular are helpful for reference purposes. C.A. No. 127, June 9, 1989.