Which is true as it applies to Occurrence Basis Property damage?

• A. Covers damage happening gradually over a period of time.
• B. Pollution is covered only if sudden and accidental.
• C. It insures the unexpected result of a deliberate act.
• D. It covers acts done by the insured with the intent to cause damage.

Answer: (A)

In occurrence-based property damage, the key idea is when the damaging event happens. An occurrence can be a single shock or a process that develops over time, as long as the damaging event occurs during the policy period. That means damage that unfolds gradually over a period of time can still be covered if the damaging event occurs while the policy is in force, making gradual damage a valid occurrence under this basis.

The other points don’t fit this trigger concept as cleanly: pollution is typically excluded unless the policy explicitly covers sudden and accidental pollution, and acts done with intent to cause damage—deliberate acts by the insured—are generally not covered.