住宅保险单(DP)第 311 / 531 题
A storm drops a tree limb on a dwelling; it dents the roof, and the jolt cracks a ceiling in the room below. Under the falling objects peril:
a.both the roof and the ceiling are paid
b.only the ceiling inside is paid for
c.only the tree removal cost is paid
d.neither is paid; limbs are excluded
解析
Falling objects pays for damage inside the building only when the falling object first damages the roof or an outside wall, and here the limb did damage the roof, so the interior crack is covered as well. Had the ceiling cracked with the roof untouched, the interior damage would not be paid. The peril is not limited to the cost of removing the limb.
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