West Virginia Property and Casualty Licensing Practice Exam

What condition does the "WC SHAVVER" apply to in DP policies?

1. Water damage

2. Wind damage

3. Worker's compensation

4. None of the above

The correct answer is: None of the above

The "WC SHAVER" mnemonic is often used in the context of Dwelling Property (DP) policies to help remember the exclusions that typically apply. The exclusions under "WC SHAVER" primarily refer to specific types of water damage that are not covered, which includes conditions like flood damage and sewer backup, among others. Therefore, the correct answer is appropriate because the mnemonic does not apply to water damage in the way that the other options might suggest. It specifically targets certain exclusions and scenarios relating to water, rather than being a catch-all for water damage itself. Additionally, it does not pertain to wind damage or worker's compensation but is rather focused on specific issues under water-related scenarios within the policy framework. Hence, it is accurate to say that "WC SHAVVER" does not apply directly to any of the listed conditions in the question.