Final answer:
Smoke damage from industrial operations may not typically be covered under a DP-2 broad form as policies often exclude gradual pollution. Coverage depends on the specific terms and exclusions in the policy. Policy review is necessary for determination.
Step-by-step explanation:
Whether smoke damage from nearby industrial operations is covered under a DP-2 broad form (Dwelling Property 2) policy depends on the specific terms and exclusions listed in the policy. A DP-2 policy typically offers coverage for a set of named perils, which generally includes fire, lightning, windstorm, hail, explosion, riot, civil commotion, aircraft, vehicles, smoke, vandalism, theft, volcanic eruption, and more. However, the definition of 'smoke' in these policies usually pertains to sudden and accidental damage from smoke, not smoke from industrial operations or smog which is considered gradual pollution and is often excluded.
To determine if smoke damage from industrial operations is covered, it's important to review the policy language and any endorsements or special provisions that might apply. Certain policies might offer additional coverage for such instances or allow the purchase of endorsements for broader coverage.