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not sure what you are referring to as a ''property'' insurance policy........ homeowners policy, direct physical loss would mean......(the key here is ''direct''), the tree fell on the house causing a 'direct' loss to the roof, and an ''indirect'' loss to the interior dwelling from the rain that came in.......if you could be more specific I'll try and help more..........

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12y ago
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11y ago

A direct loss is distruction of property (damage or theft) as the direct loss of the peril.

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Q: What is direct physical loss?
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