Megan has her home and personal property insured under an unendorsed Homeowners 3 (special form) policy. Indicate whether each of the following losses is covered. If the loss is not covered, explain why it is not covered.
a. Megan carelessly spills a can of paint while painting a bedroom. A wall-to-wall carpet that is part of the bedroom is badly damaged and must be replaced.
b. Water backs up from a clogged drainpipe, floods the basement, and damages some books stored in a box.
c. Megan's house is totally destroyed by a tornado. Her valuable Doberman pinscher dog is killed by the tornado.
d. During a frost warning, smudge pots from a nearby orange grove emit dense smoke that settles on Megan's freshly painted house.
e. Megan is on vacation, and a thief breaks into her hotel room and steals a suitcase containing jewelry, money, clothes, and an airline ticket.
f. Megan's son is playing baseball in the yard. A line drive shatters the living room window.
g. A garbage truck accidentally backs into the garage door and damages it.
h. Defective wiring causes a fire in the attic. Damage to the house is extensive. Megan is forced to move into a furnished apartment for three months while the house is being rebuilt.
i. Megan's son, age 20, is attending college but is home for Christmas. A stereo set is stolen from his dormitory room during his absence.
j. During the winter, heavy snow damages part of the front lawn, and the sod must be replaced.
k. During a windstorm, an elm tree in Megan's yard is blown over.
l. The home is badly damaged in a severe earthquake. As a result of the earthquake, the front lawn has a 3-foot crack and is now uneven.
m. An icemaker in the refrigerator breaks and water seeps into the flooring and carpets, causing considerable damage to the dwelling.