The following loss is insured under the Homeowners Basic Form (IBC 1151): a) water hammer. b) rupture of a heating, plumbing or air conditioning system. c) smoke from a fireplace.... The following loss is insured under the Homeowners Basic Form (IBC 1151): a) water hammer. b) rupture of a heating, plumbing or air conditioning system. c) smoke from a fireplace. d) death of family pet by vehicle impact.
Understand the Problem
The question is asking which loss is covered under the Homeowners Basic Form (IBC 1151), presenting four options related to property damage and incidents. It seeks to identify the correct situation that is insured by a standard homeowners policy.
Answer
Rupture of a heating, plumbing or air conditioning system.
The final answer is 'rupture of a heating, plumbing or air conditioning system'.
Answer for screen readers
The final answer is 'rupture of a heating, plumbing or air conditioning system'.
More Information
The Homeowners Basic Form typically covers sudden and accidental damage, such as rupture of systems, which is why this option is included.
Tips
A common mistake is assuming coverage for occurrences that are not sudden, like water hammer or gradual damage from smoke.
Sources
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