Question 11 0/1 Judy and Irving Shapiro came home to discover a large tree had fallen, smashing the bay window in their living room. The couple was so upset they decided to go to a hotel for the night. When they returned home, the next morning, they discovered that someone had walked through their broken bay window and stolen many of their valuable possessions. The Shapirols have a homeowner's policy that covers both physical damage and theft Why might their insurer cover the physical damage to their home but refuse to cover the theft The Shapird's failed to notify their insurer of the loss in a timely manner The insurer would not refuse to cover the theft The Shapiro's insurance policy contained an exclusion The Shapiros insurance policy contained a good faith clause The Shapiros failed to take appropriate steps to protect their property from further damage O REPORT AN ERROR >