Which type of weather damage is excluded under the HO-2 policy unless specified?

Which type of weather damage is excluded under the HO-2 policy unless specified?

• A. Wind damage
• B. Rain damage
• C. Weather damage from falling objects
• D. Snow damage

Answer: (C)

In an HO-2 policy, commonly known as the Broad Form Homeowners Insurance, coverage is specifically designed to protect against a range of perils. Each type of damage falls under different categories of coverage, and while certain weather-related damages are typically included, others may be excluded unless specifically mentioned in the policy. Weather damage from falling objects is not automatically covered under the HO-2 policy. Instead, it requires additional endorsement or clarification within the policy details to ensure coverage. This stems from the fact that not all perils related to weather are considered standard; thus, the specifics of the policy will dictate whether or not such damage is compensated. On the other hand, wind and rain damage are generally covered under an HO-2 policy unless otherwise noted. Snow damage typically involves issues like weight or ice damming, which could also be covered, again depending on the specific language of the policy. Therefore, the need for explicit mention regarding falling object damage is what makes this option stand out as an exclusion in basic HO-2 coverage.

In an HO-2 policy, commonly known as the Broad Form Homeowners Insurance, coverage is specifically designed to protect against a range of perils. Each type of damage falls under different categories of coverage, and while certain weather-related damages are typically included, others may be excluded unless specifically mentioned in the policy.

Weather damage from falling objects is not automatically covered under the HO-2 policy. Instead, it requires additional endorsement or clarification within the policy details to ensure coverage. This stems from the fact that not all perils related to weather are considered standard; thus, the specifics of the policy will dictate whether or not such damage is compensated.

On the other hand, wind and rain damage are generally covered under an HO-2 policy unless otherwise noted. Snow damage typically involves issues like weight or ice damming, which could also be covered, again depending on the specific language of the policy. Therefore, the need for explicit mention regarding falling object damage is what makes this option stand out as an exclusion in basic HO-2 coverage.