A windstorm tears shingles off a dwelling insured on an unendorsed basic form. The loss is:

Giải thích

Windstorm reaches a dwelling policy only through the extended coverage endorsement, so an unendorsed basic form pays nothing for wind-torn shingles. The answer settling the claim at depreciated value states the basic form's loss settlement rule correctly but applies it to a peril the form does not insure, and roof surfaces are covered property under the dwelling limit.