In the scenario where new patio furniture is destroyed by a fallen branch, which statement is true?

• A. The insured's loss is covered in full
• B. The insured will only get paid half of the loss
• C. The insured's loss would be covered if the branch hit their house first
• D. The insured will not receive any payment

Answer: (D)

In the scenario where new patio furniture is destroyed by a fallen branch, the correct understanding is that the insured will not receive any payment if their specific insurance policy does not cover such perils. Many homeowners' insurance policies typically cover personal property damage caused by specific events, often referred to as "perils." If the policy explicitly excludes coverage for damage caused by falling objects or does not provide sufficient coverage for outdoor items, then the loss of the patio furniture may not be compensated.

It’s important for policyholders to understand the details of their insurance coverage, including what is and is not included. If the policy does not cover damage from falling natural objects like branches, the insured would indeed face a situation where no payment is issued for the loss of their patio furniture. Thus, the insured's understanding of their coverage and the specific terms of their policy are critical in determining the outcome of such claims.