Dwelling Policy (DP)Question 304 of 531
Under the smoke peril added by extended coverage, which loss to a dwelling is covered?
a.Years of staining from a fireplace
b.Fumes from a factory two blocks away
c.Haze drifting from farm field smudging
d.A sudden puff-back from the furnace
Explanation
The smoke peril covers sudden and accidental smoke damage, so a furnace puff-back that coats the interior is paid. Smoke from agricultural smudging and smoke from industrial operations are written out of the peril itself. Staining that builds up over years is neither sudden nor accidental, so the wording decides all four of these situations the same way.
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