Does the ISO HO-3 special form homeowners policy with the earthquake coverage endorsement provide coverage for a loss to the residence premises if blasting being conducted in the neighborhood caused cracking in the walls and windows of the homeowner's property?

Connecticut Subscriber

An earthquake and earth movement are two different things. An earthquake is caused by sudden shaking of the ground caused by a disturbance deeper within the crust of the Earth. Most earthquakes occur when masses of rock straining against one another along fault lines suddenly fracture and slip. Blasting in the neighborhood does not constitute an earthquake, and therefor there is no coverage.