This could be blown off shingles, blown off siding, and tree branches/whole trees that strike your dwelling due to high winds.
Falling Objects Damage:
This peril does not include loss to property contained in the building unless the roof or exterior walls of the building are first damaged by a falling object. Damage to the falling object itself is not covered.
There are many different items that could be covered under your fire damage peril. Some of these would include a stove fire, a short in an electrical outlet, a smoldering cigarette on your sofa, bed, carpet or even trash can.
Lightning Damage: A lightning strike to your property could cause your electrical system to burnout your appliances, may cause your circuit panel box to short out, and cause nail pops in your walls and ceiling. The lightning could also cause a fire to start in your attic, on your roof, or in your walls.
Your explosion coverage could come from a number of different causes such as a shorted out appliance, a gas leak at the property, and your heating system.
This can also be done by a tenant purposely destroying your property, spray painting the side of your home, and the breaking of windows and doors.
Damages caused by Riot or Civil Commotion: In today's world many things can spark a riot or civil commotion where there is damage to your property from rock throwing, setting fires, breaking Windows, breaking into your property, and causing further damage.
Glass breakage caused by vandals throwing rocks at your property, a baseball or golf ball that was accidentally hit in the direction of your property.
Burglary and Theft:
Loss of your personal property, jewelry, inventory items.
Meaning sudden and accidental damage from smoke whether it’s from a heater that malfunctions and pushes smoke throughout your property and/or ductwork. A puff back from a fireplace, smoke from a fire next door (typically associated with rowhomes), and candles that can produce smoke that adheres to your walls, floors, and ceilings. Smoke could also come from a fire at a factory near your location and smoke could get into your property and cause extensive damage.
This could be from tidal flooding to heavy rain including storms, rivers, and creeks overflowing. This would be covered under a special flood policy endorsement.
Collapse of Building
Damage caused by collapse of the building or any part of a building. This Peril does not include settling, cracking, shrinking, bulging or expansion.
Damage caused by the accumulation of snow, sleet, or ice on your roof. Exterior and interior damage included. Also the damage to shingles from these same type of occurrences.
Damages caused by hail to your siding, roofing, and Windows.
This peril covers damage from within a plumbing heating, air conditioning system, or from within a household appliance. This peril does not include loss to the appliance from which the water or steam escaped. Caused by or resulting from freezing if heat was not maintained in the building.
You may have a peril under your policy that will give you a certain dollar amount for mold clean up.
Damage caused by Roof leaks could be covered under your homeowner's policy provided you have an all risk policy or H03
Permanent carpet stains that can be caused by roof leaks, water damage from a pipe leak, cigarette burns in your carpet, and accidental spill of a chemical such as bleach.
Accidental sprinkler discharge such as a fire such for suppression system that goes off accidentally or a frozen pipe within the sprinkler system.
A vehicle could strike your dwelling causing damage. A vehicle could also hit outside your property and cause a surge to your electric system.
This includes self-propelled missiles and spacecraft along with commercial and private airplanes. That could lose a section of the plane that lands on your property.
Your property can be damaged from a car or truck losing control and running into your house. Also, a vehicle could pull into your driveway and drive right through your garage door. An accident near your home that hits a utility pole to cause an electrical surge in your property damaging your electrical system and appliances, TVs and computers and other items in your home.