Which loss is covered under the Homeowners Basic Form for windstorm or hail?

The Homeowners Basic Form provides coverage for specific perils, one of which includes damage caused by windstorms or hail. This means that if a severe windstorm causes damage to a roof, it is covered under this policy. The coverage is intended to protect homeowners from sudden, unforeseen events such as severe weather that can physically damage their dwelling.

In contrast, other options do not align with the coverage provided by the Homeowners Basic Form. For example, the collapse of a radio antenna may not be considered a peril specifically included under this policy, as it does not fall under the standard categories of covered losses. Damage from heavy rain due to an open window is typically considered a result of the homeowner's neglect rather than a covered peril, while the collapse of a shed due to snow accumulation may not be classified as a windstorm or hail damage, falling outside the scope of the Basic Form's protections.