Dwelling Policy (DP)Question 311 of 531
A storm drops a tree limb on a dwelling; it dents the roof, and the jolt cracks a ceiling in the room below. Under the falling objects peril:
a.both the roof and the ceiling are paid
b.only the ceiling inside is paid for
c.only the tree removal cost is paid
d.neither is paid; limbs are excluded
Explanation
Falling objects pays for damage inside the building only when the falling object first damages the roof or an outside wall, and here the limb did damage the roof, so the interior crack is covered as well. Had the ceiling cracked with the roof untouched, the interior damage would not be paid. The peril is not limited to the cost of removing the limb.
This topic, taught in full in the California Property & Casualty Broker-Agent guide. California Property & Casualty Broker-Agent Study Guide — 2026 Edition — PDF + EPUB, $24.99 · 14-day refund →
Practice all 531 questions free — no signup required.
Own the complete California Property & Casualty Broker-Agent guide — PDF + EPUB, $24.99 →
Related questions on this topic
- The roof of a detached garage caves in under a heavy snow load. The dwelling policy is a basic form with extended coverage attached. The loss is:
- A supply pipe splits inside the wall of a dwelling insured on a broad form, ruining plaster and flooring. The policy pays for:
- A dwelling sits empty over the winter with the heat shut off and the water lines left full. A pipe freezes and bursts. Under the broad form the loss is:
- A tenant renting a house installs built-in bookcases at her own expense, and a fire destroys them. On the tenant's own dwelling policy they are:
- An unendorsed dwelling policy pays nothing when a burglar carries off the television. The owner can obtain that coverage by:
- A dwelling insured on a special form cracks as the soil beneath the foundation shifts. The claim is:
Last reviewed: · editorial process
PrepPass team · Verified against California Property & Casualty Insurance License Exam · How we review