Under which condition is interior damage covered by the falling objects peril in the broad form of the dwelling policy?

The correct answer addresses the relationship between falling objects and the subsequent interior damage in the context of a broad form dwelling policy. Under the terms of this policy, interior damage is covered when it is a direct result of exterior damage caused by a falling object. This means that for coverage to apply, there must be an initial occurrence whereby a falling object impacts the exterior of the property, leading to damage that then affects the interior.

This coverage is essential as it acknowledges that many times, the exterior of a building may sustain damage that can lead to further issues within, such as water intrusion or structural compromise. Therefore, the policy establishes that it is the causal link between the exterior event (the falling object) and its effect on the interior that justifies claims for damage.

The other options do not accurately reflect the conditions under which coverage would apply. For instance, claiming coverage only if caused by internal elements misunderstands the nature of the peril, while stating that coverage is available regardless of additional damage overlooks the necessity of a causal connection. Stating that coverage applies if the falling object directly hits the interior fails to recognize that the damage must stem from an exterior impact first. Thus, the answer captures the essence of how the peril is defined and the conditions that must be