Question: We are reviewing the date coverage is triggered under the civil authority extension of the CP0030 (Additional Coverages, a. Civil Authority) under the following circumstances:
An insured business was closed on Oct. 5 due to a mandatory evacuation ordered by civil authority. Actual damage occurred within a mile of the insured location preventing access to the property on Oct. 8, at which time the civil authority issued a notice that the area surrounding the insured location was to remain evacuated. No direct damage occurred to the insured property.
Our current interpretation of the language is that the civil authority extension was triggered on Oct. 8 when the damage occurred within a mile of the insured property, preventing access. Therefore, damage and the 72 hours began at that time.
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