Hawaii Insurance Adjuster License Practice Exam

Garagekeepers specified causes of loss coverage would apply to all of the following, EXCEPT:

1. Fire

2. Windstorm

3. Falling Objects

4. Lightning

The correct answer is: Windstorm

Garagekeepers specified causes of loss coverage typically provides protection for physical damage to vehicles in a garagekeeping environment, such as auto repair shops or parking facilities. This type of coverage is designed to include certain perils that could cause damage to vehicles while they are in the insured's care, custody, or control. The correct choice indicates that windstorm is generally not covered under this specific type of coverage. This is important because specified causes of loss coverage usually lists particular events that will be covered; it often focuses on certain risks, while natural phenomena like windstorms can lead to varying degrees of damage and may not be explicitly included. This means, while peril-specific coverage is strong against risks like fire, lightning, and falling objects, it does not typically extend to the broader and more unpredictable risks associated with windstorms. Furthermore, fire, lightning, and falling objects are classic examples of causes that garagekeepers coverage would protect against, as they are often included in these policies due to their well-defined risk nature and the likelihood of occurrence in a garagekeeping scenario. Windstorm damage, due to its variable nature and potential high cost from extensive damage, might instead require a more comprehensive form of coverage or different endorsements within a policy.