Georgia Property & Casualty Practice Exam

What additional coverage reimbursed Kevin for expenses incurred to board up broken windows due to vandalism?

1. Debris Removal

2. Property Removal

3. Fire Department Service Charge

4. Reasonable Repairs

The correct answer is: Reasonable Repairs

The additional coverage that reimbursed Kevin for expenses incurred to board up broken windows due to vandalism is "Reasonable Repairs." This coverage is designed to protect the policyholder by covering necessary expenses incurred to make immediate repairs after a loss. When damage occurs—like broken windows due to vandalism—the policy allows for reimbursement of expenses that are vital to prevent further damage to the property. Installing temporary boards over broken windows is a reasonable action taken to mitigate the loss and secure the premises following vandalism. The other choices do not apply in this situation. Debris Removal refers to the costs associated with removing debris from a property after a covered loss, not repairs to secure the property. Property Removal covers the costs associated with moving property to protect it from further damage but does not encompass actions taken to fix or secure existing damage. The Fire Department Service Charge relates to any fees incurred for fire department responses to extinguish a fire, which is not relevant to the damage caused by vandalism.