South Carolina Personal Lines Practice Exam

Which type of damage is covered under the "Falling Objects" peril in the DP policies?

1. Damage from falling trees

2. Damage from hail

3. Damage from wind

4. Damage from heavy rain

The correct answer is: Damage from falling trees

The coverage under the "Falling Objects" peril in Dwelling Property (DP) policies specifically includes damage caused by objects that fall from above, such as trees or parts of trees. This type of peril focuses on tangible objects that can cause harm when they fall due to natural events. In the context of the other options, damage from hail would not be categorized under "Falling Objects" because hail is a form of precipitation rather than a solid object that falls. Similarly, wind and heavy rain also describe weather phenomena that do not involve solid objects descending from above. Thus, "Falling Objects" is uniquely concerned with damage directly resulting from physical entities like trees, making it the correct answer in identifying the specific coverage under this peril in DP policies.