What type of damage does the Homeowners' Comprehensive Form (IBC 1155) cover?

The Homeowners' Comprehensive Form (IBC 1155) provides extensive coverage for various types of damages, including those caused by smoke from a fireplace. This type of damage is typically covered as it falls under the broader category of damage caused by peril. Smoke damage can impact property and personal belongings significantly, and the policy is designed to protect against such risks.

This form is comprehensive and aims to encompass a wide range of potential hazards, making it a preferred choice for homeowners seeking robust protection for their properties. Other types of damage, such as losses related to sporting equipment, bird damage, or appliance breakdowns, are generally not covered under this form, which focuses more on specific perils and direct damage to the home and personal property.