Losses from continuous exposure to harmful conditions are defined as what in a homeowners policy?

In a homeowners policy, losses resulting from continuous exposure to harmful conditions are categorized as an "occurrence." This term is crucial in insurance language because it encompasses more than just singular incidents; it includes a series of events or exposures that contribute to a loss over time.

For instance, if a property suffers damage due to gradual wear and tear from a prolonged issue, such as water intrusion or mold growth, this situation would be classified under "occurrence." The fact that these losses are not the result of a single, isolated event but rather an ongoing condition is essential in determining coverage and liability in insurance claims.

This understanding aligns with standard policy language and reinforces the need for thorough documentation of ongoing issues to ensure that homeowners receive the appropriate coverage under their policy when dealing with claims related to long-term exposure to harmful conditions.