Which loss is not covered under the Homeowners Comprehensive Form (IBC1155)?

The Homeowners Comprehensive Form (IBC1155) typically provides extensive coverage for various types of losses associated with a home. However, it has specific exclusions, one of which is damage from natural disasters like earthquakes. Earthquake damage is often subject to separate coverage or may require an additional endorsement, as it is not included in standard homeowners insurance policies.

In contrast, the other options involve scenarios that generally fall under standard coverage. Accidental damage to structures such as a garage door, while potentially subject to limits, is usually covered under comprehensive homeowner policies. Similarly, accidental spills, like paint on carpeting, would also be considered within the realm of typical covered incidents. Finally, a lost watch, while unfortunate, would rarely be directly covered in a standard home policy. Nonetheless, it highlights a situation that homeowners may misunderstand regarding personal property coverage.

Thus, recognizing that earthquake damage is commonly excluded helps frame the understanding of the policy's boundaries and the importance of additional coverage options.