You are an insurance Broker/Agent and one of your clients call to ask the following "hypothetical" questions regarding coverage on their home insurance policy. These clients have a standard, Named-Perils Policy. Are these perils covered? Why or why not? 1. If my furnace stops working all of a sudden in the middle of February while it is -30 Degrees Celsius, will insurance cover this? 2. What happens if someone hits my house with their car? Will insurance cover this? 3. It is tornado season in parts of the world... would I be covered if my house was hit by a tomado? 4. If I am having a fire in my woodstove in the house, and a log falls out of the fire and catches the carpet on fire, would I have coverage? 5. What if wind blows the roof shingles off of my house, do I have coverage for the roof? 6. What if the wind blows a hole in my roof and I get water damage INSIDE my house, would this be covered? 7. I hear there could be a lot of rain in the coming days. If the pond across the road overflows and damages my house due to flooding, would I be covered?