PLOhiohard
On an Ohio HO-3, how is sinkhole collapse typically addressed relative to the OH Standard Fire Policy at R.C. 3929.27?
Sinkhole is excluded but may be added by voluntary endorsement above the Standard Fire Policy minimum.
BSinkhole is automatically included as a named peril in HO-3 contents coverage.
CSinkhole is a mandatory coverage required by R.C. 3929.27.
DSinkhole is regulated solely by the Ohio FAIR Plan and is entirely unavailable on any voluntary HO-3 form issued in the state.
Why this is the answer
The OH Standard Fire Policy at R.C. 3929.27 does not mandate sinkhole coverage and OH has limited sinkhole exposure. HO-3 forms exclude sinkhole collapse from the base contract, but insureds may purchase a voluntary endorsement that adds it above the statutory minimum.
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