Homeowners Policy (HO)Question 341 of 531
A limb punches a hole in the roof and the rain that follows ruins a $1,800 rug. On a broad form, the rug is:
a.covered, the roof being pierced first
b.covered only under an open-perils form
c.excluded, as rain is not a listed peril
d.covered up to $500 as a falling object
Explanation
The falling objects peril reaches property inside the building only when the object first damages the roof or an outside wall, and a limb that opens the roof meets that test, so the $1,800 rug is paid. Had the limb landed on the lawn and rain merely blown in, the interior damage would not qualify. The $500 figure belongs to other additional coverages, not to this named peril.
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