Q3: Megan has her home and personal property insured under an unendorsed Homeowners 3 (special form) policy. With respect to each of the following situations, indicate whether the loss is covered or not. If the loss is not covered, explain why it is not covered. a. 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. 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. Q4: Joe was driving a neighbor's pickup truck to get a load of firewood. A child darted out between two parked cars and ran into the street in front of the truck. In an unsuccessful attempt to avoid hitting the child, Joe lost control of the vehicle and hit a telephone pole. The child was critically injured, the pickup truck was badly damaged, and the telephone pole collapsed. Joe has liability coverage and collision coverage under his PAP