Not TRUE under the Homeowner's All Risk policy?

• A. Windstorm damage to the tool shed (detached) is covered.
• B. Smoke damage to the drapes following a kitchen fire is covered.
• C. Fire damage to the insured's seasonal residence is covered.
• D. Two weeks hotel expenses for the insured while the house is repaired; following collapse of the roof due to ice is covered.

Answer: (C)

A homeowners all-risk policy generally covers most risks of direct physical loss to property that’s on the insured premises, but it doesn’t automatically extend coverage to a secondary or seasonal residence unless you’ve added the appropriate endorsement or separate policy.

Windstorm damage to a detached tool shed is covered because the tool shed is on the insured location and would be protected against windstorm under the all-risk form, subject to limits and any exclusions.

Smoke damage to the drapes following a kitchen fire is covered since smoke damage resulting from a fire on the premises is a covered loss, and personal property like drapes is included in the policy’s protections.

Fire damage to the insured’s seasonal residence is not automatically covered unless the seasonal residence is specifically scheduled or covered by a separate policy or endorsement. That’s why this statement is not true under a standard homeowners all-risk policy.

Two weeks of hotel expenses for the insured while the house is repaired after a roof collapse due to ice are covered under the policy’s loss of use/additional living expenses provision, provided the dwelling is uninhabitable due to a covered loss.