Free Property and casualty insurance (Texas) Practice Test

A client in Midland asks whether her homeowners policy would pay for earthquake damage to her foundation. What should her agent tell her?

• AIt is covered automatically as part of dwelling coverage, with no endorsement needed
• BIt is covered only after a 30-day waiting period, as with flood policies
• CIt is commonly excluded and usually available as a separate policy or endorsement
• DIt is covered only if the policy includes replacement cost coverage

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