Under Homeowner's All Risk policy, windstorm damage to a detached tool shed is covered. True or False?

Under Homeowner's All Risk policy, windstorm damage to a detached tool shed is covered. True or False?

• A. True
• B. False
• C. Only if attached
• D. Only if insured separately

Answer: (A)

In an All Risk homeowners policy, property on the residence premises that is detached, like a tool shed, is covered under the other-structures portion of the policy. Windstorm damage qualifies as a covered peril, so a detached tool shed on the insured property would be covered, up to the limit for other structures (usually a percentage of the dwelling limit). The fact that the shed is detached does not remove it from coverage, unlike some other policy forms. So the statement is true.

In an All Risk homeowners policy, property on the residence premises that is detached, like a tool shed, is covered under the other-structures portion of the policy. Windstorm damage qualifies as a covered peril, so a detached tool shed on the insured property would be covered, up to the limit for other structures (usually a percentage of the dwelling limit). The fact that the shed is detached does not remove it from coverage, unlike some other policy forms. So the statement is true.