Question

A winter storm has left a lot of snow and ice on the roof of Helen's business. The weight is too much for the roof to bear and it gives way, bringing with it a torrent of melting ice and snow cascading down on the interior of Helen's warehouse. Her commercial property policy covers the damage, even though "weight of ice and snow" is not specifically listed as a covered peril. Therefore, which type of Causes of Loss form does Helen have attached to her Building and Personal Property Coverage Form?

A. Basic Form
B. Universal Form
C. Special Form
D. Broad Form

Answer 1

Helen's commercial property policy most likely included the Special Form coverage, which provides blanket coverage for all perils unless specifically excluded, hence covering the damage from snow and ice.

Step-by-step explanation:

Helen's commercial property policy covered the damage from the weight of ice and snow, despite it not being specifically listed. This scenario is indicative of the Special Form coverage in commercial property insurance. The Special Form is the most inclusive of the forms, offering a blanket coverage that includes all perils unless they are specifically excluded. This contrasts with the Basic and Broad Form, which only cover named perils. The absence of a Universal Form indicates that the correct answer is the Special Form (Option C).