Meteorite Damage: Is It Covered?

The fireball that streaked across the Russian sky on Feb. 15, 2013, was an awesome sight. But the subsequent explosion of the meteorite created a shock wave (a “sonic boom”) that shattered acres of windows and collapsed roofs, leaving damage estimated at $33 million.

If the same event occurred in Texas, would it be covered?

Yes, because even basic causes of loss forms cover explosion. Without a definition, the “explosion” cause of loss applies to anything that can reasonably be described as an explosion in any sense of the word. Are you old enough to remember when “sonic boom” was excluded from Texas property policies? The exclusion was added to policies in the 1950s when the U.S. military allowed supersonic flights over populated areas. They stopped and the exclusion was withdrawn in the 1960s.

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2 Responses to Meteorite Damage: Is It Covered?

  1. Lowell says:

    Well then, what about a Nuclear explosion…? Radiation excluded, but here you word explosion in any sense of the word as being covered…That would be cataclysmic also.


  2. Bill says:

    Using the ISO HO-3 as an example, the War and Nuclear Hazard perils would both exclude a nuclear explosion. The War exclusion says, “Discharge of a nuclear weapon will be deemed a warlike act even if accidental.” This section of exclusion has the concurrent causation lead-in language, so it wouldn’t matter if “explosion” is otherwise covered.


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