The HO-2 policy provides coverage for patio collapse due to the weight of water on the roof. True or False?

The statement is false because the HO-2 policy, which is a type of Homeowners Insurance that provides basic protection, offers coverage for specific types of perils listed in the policy. The weight of water on the roof is not expressly included as one of those covered perils under the HO-2 policy.

Typically, the HO-2 policy covers perils like fire, lightning, windstorm, hail, explosion, theft, and vandalism. While it provides coverage for damage to the structure of the home and its contents, it does not extend to all forms of damage or collapse. Specifically, damages resulting from the weight of water, such as a collapse due to excess water on the roof, might be more appropriately covered under different circumstances or require additional endorsements or coverage. This highlights the importance of understanding the specific terms and limitations of any homeowners policy.