Louisiana P&C Adjuster Practice Exam

What losses would be covered by Missy's HO-6 policy following the windstorm damage?

1. The building structure and common areas

2. Missy's furniture and hardwood floors

3. Only exterior damages to the building

4. The overall building's roof

The correct answer is: Missy's furniture and hardwood floors

The correct choice focuses on Missy's personal property coverage under her HO-6 policy, which is specifically designed for condominium owners. This policy typically provides coverage for personal belongings within the unit, such as furniture and flooring, against various perils, including windstorm damage. In this context, the windstorm's impact on Missy's furniture and hardwood floors falls squarely within the policy's protective measures for personal property. The inherent purpose of the HO-6 policy is to safeguard the interiors of individual units, including personal items and improvements, from damages due to covered risks. Other options, while potentially relevant in different contexts, do not align with the primary protections of an HO-6 policy. For instance, the building structure and common areas are typically covered under the condominium association's master policy, not the individual policyholder's. Similarly, exterior damages to the building and the overall roof would also generally fall under the association’s coverage, which is distinct from the HO-6 policy focused on the insured's personal belongings. Hence, the choice highlighting Missy's lost furniture and hardwood floors accurately reflects the essence of the coverage provided by her policy.