Dwelling Policy (DP)Question 256 of 474
A windstorm tears shingles off a dwelling insured on an unendorsed basic form. The loss is:
a.Not covered, because windstorm is not a basic-form peril
b.Covered, because windstorm is a basic dwelling peril
c.Covered, but only for the depreciated value of shingles
d.Not covered, because roof surfaces are excluded property
Explanation
Windstorm reaches a dwelling policy only through the extended coverage endorsement, so an unendorsed basic form pays nothing for wind-torn shingles. The answer settling the claim at depreciated value states the basic form's loss settlement rule correctly but applies it to a peril the form does not insure, and roof surfaces are covered property under the dwelling limit.
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