Question

The insured has a Homeowner's, HO3 policy. A tree was struck by lightning, hit a power line, and damaged the roof of the dwelling, swimming pool, and caused spoilage of food. Which items are covered?

a. Roof damage and pool damage only
b. Pool damage and food spoilage only
c. Roof damage and food spoilage only
d. All the mentioned damages

Answer 1

Under an HO3 Homeowner's policy, roof damage, pool damage, and food spoilage due to a lightning strike are all typically covered, meaning the correct answer is all the mentioned damages.

Step-by-step explanation:

The student has asked about coverage under a Homeowner's, HO3 policy regarding various types of damages caused by a tree struck by lightning. Under the HO3 policy specifics, it generally covers the dwelling for a broad range of perils, including storm damage like lightning.

Thus, the damage to the roof is covered as it is part of the dwelling. The damage to the swimming pool is also usually covered as it is considered a structure associated with the dwelling. Moreover, the spoilage of food can be covered under this policy due to the power outage caused by the lightning strike. Therefore, the answer to which items are covered is d. All the mentioned damages.