South Carolina Personal Lines Practice Exam

Under the broad form of a dwelling policy, when is damage to the interior of the building covered by the falling objects peril?

1. If it occurs from falling debris

2. Only if there is also exterior damage

3. Whenever a falling object impacts the building

4. Only during a storm

The correct answer is: Only if there is also exterior damage

Damage to the interior of the building under the broad form of a dwelling policy is covered by the falling objects peril primarily when there is also external damage. This reflects the specific policy language that ties the coverage of interior damage to the condition that the falling object must first impact the outside of the dwelling. Therefore, if debris causes damage to the exterior, such as a roof or wall, resulting in subsequent damage to the interior, the coverage is applicable. This requirement emphasizes the relationship between the exterior and interior damage, ensuring that the policy protects against significant damage that compromises the structure's integrity. Without the prior exterior damage from the falling object, the interior damage may not be covered, demonstrating a clear link in the loss requirements established in this specific type of coverage. The other options suggest scenarios that do not align with the terms of the policy. For instance, damage from falling debris alone, without any impact on the exterior, would not trigger the interior coverage. Similarly, the occurrence of such damage would not strictly depend on a storm, nor would the interior be covered simply by any impact from a falling object without the corresponding exterior damage.