But how likely or extensive can damage be to underground property? Here are two recent articles that indicate how serious and widespread the exposure can be, including the pollution exposure:

“Santa Rosa Fire Damage Extends Underground”
https://www.pressreader.com/usa/san-francisco-chronicle-late-edition/20180415/285172948876140
https://www.sfchronicle.com/bayarea/article/Another-gut-punch-for-Santa-Rosa-Fire-destroys-12834914.php

“Underground Power Lines and Wildfires”
https://www.sfchronicle.com/bayarea/article/Underground-power-lines-don-t-cause-wildfires-12295031.php

While such claims are relatively rare, providing an endorsement option to customers could be a good idea, along with using policy forms that don’t exclude underground property.

Thanks to Cliff Treese at CIRMS for the Santa Rosa link.

Photo by Mike Knell

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Bill Wilson

Founder at InsuranceCommentary.com
One of the premier insurance educators in America on form, coverage, and technical issues; Founder and director of the Big “I” Virtual University; Retired Assoc. VP of Education and Research from Independent Insurance Agents & Brokers of America. Reprint Request Information

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