Which peril is added in the broader form but not in the basic form?

Which peril is added in the broader form but not in the basic form?

• A. Falling objects
• B. Weight of ice, sleet, or snow
• C. Water damage from certain causes
• D. Collapse (from certain causes)

Answer: (A)

Expanding the policy forms adds protection for more causes of loss. Falling objects is a classic example of a peril that the broader form covers but the basic form does not. If something falls from above and damages your property, that loss would be covered under the broader form, whereas the basic form would typically exclude it. The broader form includes several extra perils beyond the basic, and falling objects is one of the most straightforward illustrations of that difference.

Expanding the policy forms adds protection for more causes of loss. Falling objects is a classic example of a peril that the broader form covers but the basic form does not. If something falls from above and damages your property, that loss would be covered under the broader form, whereas the basic form would typically exclude it. The broader form includes several extra perils beyond the basic, and falling objects is one of the most straightforward illustrations of that difference.