Homeowners Policy (HO)Question 311 of 474
Which of these is a named peril insured against on a broad form Homeowners policy?
a.rust on an outdoor metal railing
b.gradual seepage from a supply pipe
c.settling of the foundation footing
d.weight of ice, snow, or sleet
Explanation
Weight of ice, snow or sleet sits on the broad list alongside fire, windstorm, explosion, riot, aircraft, vehicles, smoke, vandalism, theft, falling objects, freezing and volcanic eruption. Seepage that continues over a period of time, settling and rust are all maintenance conditions the form treats as the owner's problem rather than sudden accidental losses.
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