Dwelling Policy (DP)Question 305 of 531
Wind drives rain through a window the family left open, soaking the carpet and the wall below it. Under the windstorm peril the loss is:
a.not covered; carpet is real property
b.covered, since the storm caused it
c.not covered; wind made no opening
d.covered as interior water damage
Explanation
The windstorm peril reaches rain, snow, or sleet driven inside only when the wind or hail first makes an opening in the roof or an outside wall. A window the occupants left open is not an opening the storm created, so the water damage stays with the family. Calling carpet real property is not the reason; the missing element is the storm-made opening.
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