August 4, 2018

Broad Form (Homeowners Insurance Covered Causes of Loss: Broad Form)

The Broad Form is one of three ISO (International Organization for Standardization) use by the insurance industry to define which perils or causes of loss are covered.  Generally, the Broad Form covers the perils covered by the Basic Form (see below):

• Wind, Hail                                                    
• Lightning
• Fire
• Smoke
• Explosion
• Sprinkler Leakage
• Sinkhole Collapse
• Riot
• Civil Commotion
• Collison by Aircraft
• Collision by Vehicles
• Vandalism
• Volcanic Activity

Plus the Following:

• Burglary
• Falling Objects
• Weight of Ice and Snow
• Artificially Generated Electricity
• Freezing of Plumbing