Megan has her home and personal property insured under an unendorsed Homeowners
ID: 2650773 • Letter: M
Question
Megan has her home and personal property insured under an unendorsed Homeowners 3 (special form) policy. Indicate whether each of the following losses is covered. If the loss is not covered, explain why it is not covered.
a. Megan carelessly spills a can of paint while paint- ing a bedroom. A wall-to-wall carpet that is part of the bedroom is badly damaged and must be replaced.
b. Water backs up from a clogged drainpipe, floods the basement, and damages some books stored in a box.
c. Megan’s house is totally destroyed by a tornado. Her valuable doberman pinscher dog is killed by the tornado.
d. During a frost warning, smudge pots from a nearby orange grove emit dense smoke that settles on Megan’s freshly painted house.
e. Megan is on vacation, and a thief breaks into her hotel room and steals a suitcase containing jewelry, money, clothes, and an airline ticket.
f. Megan’s son is playing baseball in the yard. A line drive shatters the living room window.
Explanation / Answer
Solution-a.
Covered because the Wall-to-wall carpet is part (portion) of the dwelling. So, the loss is not excluded and it's covered.
Solution-b.
Not covered because the all damage from the water that backs up by the sewers (drains) is excluded.
Solution-c.
The animals are not included under the personal property but the dwelling is covered for windstrom.
Solution-d.
Not covered because the Smoke damage from industrial operation or agricultural smudging is not included.
Solution-e.
Covered because there is a $200 limit on the rickets, $1,500 on theft of jewelry$200 on money.
Solution-f.
Covered because it is included and the glass breakage (broke) is covered.