房屋保险单(HO)第 352 / 531 题
A windstorm topples a $2,000 ornamental maple onto the lawn, damaging nothing else. The trees, shrubs and plants coverage:
a.pays $500, the per-item limit
b.pays $1,000 as a loss to the grounds
c.pays $2,000, up to 5% of Coverage A
d.pays nothing, wind not being a listed peril
解析
The additional coverage for trees, shrubs and plants answers only a short list of perils, and windstorm is not on it: fire, lightning, explosion, riot, aircraft, vandalism, theft and a vehicle not owned by a resident are the causes it names. So a wind-felled tree that damages nothing else produces no payment. The 5% of Coverage A ceiling and the $500 per item cap matter only once a listed peril applies.
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