Georgia Property & Casualty Practice Exam

Which causes of loss form covers the insured's exposure to the weight of ice and snow?

1. Both the basic and broad causes of loss forms

2. No causes of loss form

3. Only the broad form causes of loss form

4. Only the basic causes of loss form

The correct answer is: Only the broad form causes of loss form

The broad causes of loss form specifically covers a wider range of perils compared to the basic form, including damage resulting from the weight of ice and snow. This additional coverage is one of the key distinctions that make the broad form more comprehensive. The basic form typically includes fundamental perils such as fire, lightning, and windstorm, but does not extend to all the scenarios that the broad form addresses. Thus, the correct choice reflects that only the broad cause of loss form provides the necessary coverage for risks associated with the weight of ice and snow. This is an important distinction in property insurance, as understanding the types of coverage available can significantly influence how policyholders protect their assets against specific hazards.