Identify the coverage that applies for the following loss events. Assume that the appropriate coverage has been purchased.

Choices for coverage:

1. HO-3 Section I Coverage A
2. HO-3 Section I Coverage B
3. HO-3 Section I Coverage C
4. HO-3 Section I Coverage D
5. HO-3 Section II Coverage E
6. HO-3 Section II Coverage F
7. Personal Injury Liability Endorsement
8. Scheduled Personal Property Endorsement
9. Not covered by homeowners insurance or related endorsements

1. _______ During a severe snowstorm, a section of your roof cracks under the weight of the snow.
2. _______ While you are vacationing in Paris, your $10,000 fur coat is stolen from your hotel room.
3. _______ You have a big party at your house and a friend who is wearing 4 stiletto heels falls down your front steps, even though your steps are flawless. She goes to the nearest ER, where she is treated for minor cuts and bruises.
4. _______ During a blizzard, the storm door at the back of your house is blown off its hinges.
5. _______ A thief breaks into your house and steals $1000 worth of bracelets and earrings.
6. _______ Your 2-year old tears up your only photo of your deceased parents.

7. _______ A local restaurant sues you for slander when your teenage daughter posts scathing comments about the restaurant on social media.
8. _______ During a windstorm, a large tree branch falls on your free-standing tool shed.
9. _______ While remodeling your kitchen, your contractor discovers that your existing electrical wiring is not up to code. It will cost an extra $3,000 to replace all the wiring to bring it up to code.
10. _______ A neighbor slips on the ice on the sidewalk in front of your house and breaks her wrist.
11. _______ You are ordered to evacuate your California home due to the approaching wildfire, so you rent an extended stay hotel room for two weeks. Section III: Number, Please (4 points)
12. (1 point) About what percent of civil lawsuits are decided in court (nearest half percent)?

(2 points) You bought your house in 2001 for $400,000. Zillo currently lists its value at $475,000. A similar house would cost $550,000 to build new from the ground up today. The declared value in Section I of your HO-3 policy has stayed the same at $400,000 for the past 20 years. You replaced the roof with 40-year shingles in 2011. A large tree branch falls on your roof in a windstorm, causing $22,000 damage. How much will you be reimbursed by your insurer?