Which one of the following losses would be covered under a typical broad form property policy but not under a basic form policy?

Which one of the following losses would be covered under a typical broad form property policy but not under a basic form policy?



A. A large limb from a decaying tree falls onto a building causing damage to the building.
B. A sinkhole collapse damages a building.
C. Maintenance workers accidentally bang a ladder against a sprinkler head, which discharges, causing water damage to a building.
D. The sudden malfunction of the oil-burning furnace discharges grimy, sooty smoke throughout a building, damaging its interior.


Answer: A. A broad form policy would cover damage caused by a falling tree limb.

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