Notes
1. The ISO dwelling program is described in detail in Fire, Casualty & Surety Bulletins, Personal Lines volume, Dwelling section. The Dwelling program is also discussed in IRMI.com/online, the International Risk Management Institute’s on-line library. The Insurance Services Office (ISO) dwelling forms were also used in preparing this section.
2. These perils are called “extended coverage” perils, as they are included in an endorsement that was popular when the standard fire policy was used. That policy covered fire, lightning, and removal only. An extended coverage endorsement was often added to provide coverage for wind, hail, explosion, riot, civil commotion, aircraft, vehicles, and smoke. Explosion coverage under the extended coverage ...
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