All of the following are covered perils under the personal property coverage (Coverage C) of an unendorsed Homeowners 3 policy EXCEPT earthquake. theft. windstorm. explosion Which of the following losses to a dwelling would be covered under an unendorsed Homeowners 3 policy? smoke damage resulting from agricultural operations of a neighboring farmer damage to the structure caused by a flash flood damage to the structure caused by the weight of heavy snow damage to a floor caused by water backing up through a sewer pipe Which of the following statements about the appraisal clause in the Homeowners 3 policy is (are) true? It is used to determine a value for personal property when the policy is issued It used to help settle disputes over the amount of a lose after a loss has occurred