Gonsalves v. FIRST INSURANCE COMPANY OF HAWAII, LTD.

OPINION OF THE COURT BY

MARUMOTO, J.

Plaintiffs had a fire insurance policy for $31,000 issued by defendant on two dwelling buildings owned by them. The insurance on one building was $23,000, and on the other building was $8,000. Attached to the policy, as a part thereof, was “Dwelling Building(s) and Contents Broad Form” endorsement.

The endorsement provided, in section IX, paragraph 14, insurance against “Collapse of building(s) or any part thereof. ’ ’

However, Section X, paragraph (C), of the endorsement excluded from the coverage provided in Section IX, paragraph 14, loss caused by “any…