Understanding an “All Other Peril” Homeowner’s Claim

For an insurance carrier to accept responsibility for a loss, it must classify as a “covered peril” under an HO3 policy.  Most policies cover: fire or lightning; windstorm or hail; an explosion; riot or civil commotion; damaged caused by aircraft; damage caused by vehicles; smoke; vandalism or malicious mischief; theft; volcanic eruption; falling objects; weight…