What is the name of the endorsement that covers direct damage from utility service disruption?

The endorsement that covers direct damage from utility service disruption is known as "Utility Services - direct damage." This specific endorsement provides protection for property owners when utility services, such as electricity, water, or gas, experience disruptions that lead to direct physical loss or damage to covered property.

This coverage is essential because many insurance policies may not automatically include protection against loss of property due to a failure of utilities, making this endorsement a crucial addition for comprehensive protection. It helps to ensure that property owners can recover losses directly related to utility failures, which can be significant depending on the nature and scale of the disruption.

Other options describe aspects of utility disruption coverage but do not specifically address direct damage. For instance, general coverage does not specify the direct aspect of damage, while indirect coverage would pertain to consequential losses rather than the direct physical loss itself. Additional living expense typically addresses costs incurred when a dwelling is uninhabitable, rather than the direct damage resulting from utility service disruption. Such distinctions clarify the focused nature of the direct damage endorsement, making it the appropriate choice.