4. Harold is a dentist who lives in Seattle. He lives with Mandy, his 15 year-old daughter; Brian, his nine year-old son; and Goldie, his golden retriever dog. Harold purchased an unendorsed ISO Homeowners 3 policy, the policy we covered in class. A number of events have occurred since Harold purchased the policy. Would the following claims / losses be covered under Harold's unendorsed HO-3 policy? Assume the policy does not include a deductible. (half-point per part - your answer choices are covered and not covered circle your answer) a. Strong wind destroyed Harold's tool shed located in the back yard of the home. Covered Not Covered b. After shopping at Safeway, Harold backed his car into a parked car in the parking lot. Damage to the car Harold hit was $3,500. Covered Not Covered c. Harold fell asleep while smoking a cigarette in his living room. He dropped the cigarette, and it set the carpet on fire. The furniture in the living room was destroyed by the fire. Covered Not Covered d. Torrential rain caused a stream close to Harold's home to flood. The flood waters damaged Harold's home. Covered Not Covered e. Audra, Mandy's friend, visited Harold's home. While the girls played with Goldie, the dog bit Audra on her arm. Audra re- quired $500 of medical care at Seattle Medical Clinic. Covered Not Covered f. Harold has an apartment above his garage. He rents the apart- ment to a U-W student. Harold lost rent when a fire in his garage made the apartment uninhabitable. Harold wants to recover the lost rent from his insurer. Covered Not Covered g. While Harold, Mandy, and Brian were on a one-week vacation to Olympic National Park, someone broke into their home and stole Harold's big screen television set. Covered Not Covered 4. Harold is a dentist who lives in Seattle. He lives with Mandy, his 15 year-old daughter; Brian, his nine year-old son; and Goldie, his golden retriever dog. Harold purchased an unendorsed ISO Homeowners 3 policy, the policy we covered in class. A number of events have occurred since Harold purchased the policy. Would the following claims / losses be covered under Harold's unendorsed HO-3 policy? Assume the policy does not include a deductible. (half-point per part - your answer choices are covered and not covered circle your answer) a. Strong wind destroyed Harold's tool shed located in the back yard of the home. Covered Not Covered b. After shopping at Safeway, Harold backed his car into a parked car in the parking lot. Damage to the car Harold hit was $3,500. Covered Not Covered c. Harold fell asleep while smoking a cigarette in his living room. He dropped the cigarette, and it set the carpet on fire. The furniture in the living room was destroyed by the fire. Covered Not Covered d. Torrential rain caused a stream close to Harold's home to flood. The flood waters damaged Harold's home. Covered Not Covered e. Audra, Mandy's friend, visited Harold's home. While the girls played with Goldie, the dog bit Audra on her arm. Audra re- quired $500 of medical care at Seattle Medical Clinic. Covered Not Covered f. Harold has an apartment above his garage. He rents the apart- ment to a U-W student. Harold lost rent when a fire in his garage made the apartment uninhabitable. Harold wants to recover the lost rent from his insurer. Covered Not Covered g. While Harold, Mandy, and Brian were on a one-week vacation to Olympic National Park, someone broke into their home and stole Harold's big screen television set. Covered Not Covered