Question

Not all property of the insured is automatically covered under the Homeowner's All Risk policy. Which of the following is NOT TRUE?

a) Windstorm damage to the tool shed (detached) is covered.
b) Smoke damage to the drapes following a kitchen fire is covered.
c) Fire damage to the insured's seasonal residence is covered.
d) Two weeks hotel expenses for the insured while the house is repaired; following collapse of the roof due to ice is covered.

Answer 1

Fire damage to the insured's seasonal residence is covered.

Step-by-step explanation:

Not all property of the insured is automatically covered under the Homeowner's All Risk policy. Of the given options, fire damage to the insured's seasonal residence is covered. However, damage caused by a windstorm to a detached tool shed, smoke damage to drapes following a kitchen fire, and hotel expenses for the insured while the house is being repaired following a roof collapse due to ice are all covered under the Homeowner's All Risk policy.