Póliza de Vivienda (DP)Pregunta 308 de 531
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.not covered; that is a broad form peril
b.not covered; a garage is not covered property
c.covered, because windstorm and hail include snow
d.covered under the falling objects peril instead
Explicación
Weight of ice, snow, or sleet is one of the perils the broad form adds, so a basic form carrying only extended coverage does not insure it and this collapse goes unpaid. Windstorm or hail answers wind and hailstones, not a static snow load resting on a roof. Falling objects means something striking from outside, not the building's own accumulated load, and a detached garage is covered property as another structure.
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