Which loss caused by windstorm or hail would be covered under the Homeowners Basic Form (IBC 1151)?

The Homeowners Basic Form (IBC 1151) is designed to provide coverage for specific types of risks, particularly those related to a dwelling and its structure. Windstorm damage to the exterior of a home is one of the perils that is typically covered under this policy.

When a windstorm causes damage to the exterior, such as the roof, siding, or other structural elements of a home, this falls under the category of covered perils. The purpose of this coverage is to protect homeowners from the financial impact of natural events like windstorms, which can cause significant property damage.

In contrast, flooding from heavy rain is generally excluded from coverage under the Homeowners Basic Form, as it requires separate flood insurance to be covered. Damage to a car parked outside due to hail would also not be covered by a homeowners policy since it pertains to an automobile rather than the dwelling itself. Lastly, loss of personal property due to wind would not be covered under the Basic Form, as it primarily focuses on the structural aspects of the home and not personal belongings. Therefore, damage to the exterior from a windstorm is the correct response, as it aligns with the policy's coverage scope.