Arizona Adjuster Practice Exam

Which of the following is NOT a covered peril under the basic dwelling form (DP 1)?

1. Windstorm

2. Fire

3. Lightning

4. Internal Explosion

The correct answer is: Windstorm

The basic dwelling form, commonly known as the DP 1 form, provides coverage for specific perils as outlined in the policy. Fire, lightning, and internal explosion are all included as covered perils in this form, making them important components of the basic dwelling insurance. Windstorm, however, is not typically covered under the DP 1 policy unless additional endorsements are purchased. This distinction is crucial because it highlights the limitations of the basic coverage and encourages policyholders to consider the risks specific to their location, especially in areas prone to wind-related damage. Homeowners must understand that while fire and lightning are generally covered, they might need to seek additional coverage for windstorm damage depending on their circumstances, thus ensuring they have adequate protection for all potential risks.