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 paint- ing 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.