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.

1. 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.
2. Water backs up from a clogged drainpipe, floods the basement, and damages some books stored in a box.
3. Megan's house is totally destroyed by a tornado. Her valuable Doberman pinscher dog is killed by the tornado.
4. During a frost warning, smudge pots from a nearby orange grove emit dense smoke that settles on Megan's freshly painted house.
5. Megan is on vacation, and a thief breaks into her hotel room and steals a suitcase containing jewelry, money, clothes, and an airline ticket.
6. Megan's son is playing baseball in the yard. A line drive shatters the living room window.