David is a dentist who lives in Seattle. He lives with Allie, his 15 year-old daughter; Chuck, his eight year-old son; and Goldie, his golden retriever dog. David purchased an unendorsed ISO Homeowners 3 policy, the policy covered in class. A number of events have occurred since David purchased the policy. Would the following claims / losses be covered under David’s unendorsed HO-3 policy? Assume the policy does not include a deductible.

a. Torrential rain caused a stream close to David’s backyardto overflow. The flood damaged the foundation of David’s Covered Not Coveredhome.

b. While David, Allie, and Chuck were on a one-week vacationto Olympic National Park, someone broke into their home Covered Not Coveredand stole David’s big screen television set.

c. David misread an X-ray and pulled the wrong tooth. Thepatient sued David and was awarded $20,000. Covered Not Covered

d. Seattle Police caught Allie throwing rocks at the windowsof a vacant home. The damage was $460. Covered Not Covered

e. David fell asleep while smoking a cigarette in his living room.He dropped the cigarette, and it set the carpet on fire. The Covered Not Coveredfurniture in the living room was destroyed by the fire.

f. An windstorm damaged David’s garage. The garage islocated 10 feet from David’s home. Covered Not Covered

g. Nancy, Allie’s friend, visited David’s home. While the girlsplayed with Goldie, the dog bit Nancy on her arm. Nancy Covered Not Coveredrequired $500 of medical care at Seattle Medical Clinic.

Answer rating: 100% (QA)

a Not covered Flood damage is typically excluded under unendorsed HO3 policies b Covered The po... View the full answer