Which of the following perils is covered under the Basic causes-of-loss form but is NOT one that an insured can rely on the Broad form to add?
Explanation
Fire is one of the perils already covered under the Basic form (along with lightning, explosion, windstorm or hail, smoke, aircraft or vehicles, riot or civil commotion, vandalism, sprinkler leakage, sinkhole collapse, and volcanic action). The Broad form ADDS perils such as weight of snow/ice/sleet, falling objects, and accidental water discharge — fire is not one of those additions.
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