Property Insurance FundamentalsQuestion 182 of 215
Which of the following losses is most likely to be EXCLUDED on a standard commercial property special form?
a.Vandalism damage to a back door
b.Damage from a flood that overflows a nearby river
c.Smoke damage from a kitchen fire
d.Hail damage to a roof
Explanation
Flood is one of the standard property-policy exclusions, along with earth movement, war, nuclear hazard, intentional acts of the insured, wear and tear, and ordinance or law. Smoke, hail, and vandalism are covered perils under the basic, broad, and special forms.
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