Question

Under the broad cause of loss form, which of the following is an additional peril that would be covered?

1) ice and weight of snow
2) smoke
3) volcanic eruption
4) riot or civil commotion

Answer 1

All the perils listed (ice and weight of snow, smoke, volcanic eruption, riot, or civil commotion) are generally covered under the broad cause of loss form in insurance policies. These perils are covered unless specifically excluded in the policy.

Step-by-step explanation:

Under the broad cause of loss form in insurance policies, coverage is typically provided for a wide range of perils. Of the options given - ice and weight of snow, smoke, volcanic eruption, and riot or civil commotion - all are generally covered perils under the broad form. When a policy mentions broad causes of loss, it means that unless a peril is specifically excluded, it is considered covered. Therefore, things like the weight of snow causing a roof collapse, smoke damage from a nearby fire, a volcanic eruption that causes property damage, and property damage stemming from a riot or civil commotion would all typically be included in such a policy.