Dwelling Policy (DP)第 256 / 474 题
A windstorm tears shingles off a dwelling insured on an unendorsed basic form. The loss is:
a.Not covered, because windstorm is not a basic-form peril
b.Covered, because windstorm is a basic dwelling peril
c.Covered, but only for the depreciated value of shingles
d.Not covered, because roof surfaces are excluded property
解析
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.
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同考点相关题目
- A family owns a lakeside cottage they use only in summer and rent to no one. Coverage on the cottage is:
- The unendorsed basic form of the dwelling policy insures the building against:
- Which group of perils does the extended coverage endorsement add to a basic dwelling form?
- On a basic dwelling form, vandalism or malicious mischief coverage is:
- A dwelling insured with vandalism coverage has stood vacant well past the period the policy allows when vandals damage it. The loss is:
- The broad form dwelling policy is best described as covering the building against:
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