Which type of loss is NOT covered under a DP-2 policy?

The DP-2 policy, also known as the Broad Form Dwelling policy, provides coverage for a range of risks, but it has specific limitations. It typically covers losses due to fire, vandalism, and certain types of water damage or plumbing issues.

When considering the options, damage to awnings from the weight of snow is classified as an exclusion in many property policies, including the DP-2. This is because such damage does not fall under the perils that the DP-2 policy addresses. The policy primarily covers risks that are considered more sudden or accidental, such as fire or vandalism, while weather-related damages, particularly those resulting from snow or ice accumulation, are often not included.

This approach reflects a common limitation in homeowners and dwelling policies, where the focus is on protecting against specific, named perils rather than general wear and tear or damage from naturally occurring weather events. Therefore, damage to awnings from the weight of snow is the type of loss not covered under a DP-2 policy.