Which of the following causes is NOT included for coverage under Collapse and Glass Breakage?

Collapse and Glass Breakage coverage is designed to protect against specific types of structural failures and incidents that result in damage to property. It is important to understand the nuances of what causes are included or excluded under this type of coverage.

Ground settling refers to the natural process where the ground under a structure shifts or settles over time, often due to changes in moisture, soil composition, or other environmental factors. While it can lead to damage to a structure, this type of settling is generally viewed as a gradual process rather than a sudden or abrupt failure. Therefore, it is not covered under Collapse and Glass Breakage provisions, which typically focus on more immediate and catastrophic causes of damage.

On the other hand, the other causes listed, such as hidden decay or insect damage, weight of precipitation on the roof, and defective materials during construction, can lead to significant structural issues that align more closely with the purpose of Collapse and Glass Breakage coverage. These factors are recognized for their potential to cause a sudden and visible failure in a structure, which is why they are typically included under such insurance provisions.