West Virginia Property and Casualty Licensing Practice Exam

Which of the following is one of the "BIG AFFECT" broad perils?

1. Falling objects

2. Accidental discharge of water

3. Load-bearing damage

4. Windstorm

The correct answer is: Falling objects

Falling objects are indeed classified as one of the "BIG AFFECT" broad perils in property insurance. This classification helps policyholders understand the types of risks that are covered under their insurance policies. Falling objects can cause significant damage to structures and belongings, making it crucial for insurers to consider this peril in their coverage options. The other options mentioned may also relate to specific types of coverage, but they do not fall under the "BIG AFFECT" perils. For example, accidental discharge of water is often addressed in the context of specific forms of coverage, such as water damage or flood insurance, rather than under the broader category of "BIG AFFECT" perils. Load-bearing damage typically refers to structural concerns that arise from more complex issues, while windstorm might be considered as a peril but not in the same overarching category as falling objects within the "BIG AFFECT" framework. Understanding these distinctions can help in choosing appropriate coverage in property insurance policies.