Perils included, but not limited to : Fire Lightning Hail Damage Wind Wind from named Hurricanes, tropical depressions and tropical storms Smoke Explosion Wood Burning Stove Theft Vandalism Mysterious Disappearance Riot and Civil Commotion Water damage and Freezing Bursting of heating system or hot water tank Collapse of a building or any part of building due to the weight of ice, snow or sleet or weight of rain which collects on the roof Mold and Mildew Weight of ice or snow Note:   “Flooding” (water from the ground up and water seepage to name a few) is not covered under a homeowner’s policy.  A Flood Policy is a separate policy that must be purchased for your home to be covered in case of flooding. Water that comes from the roof down (rain, snow, and sleet to name a few) is covered under your homeowner’s policy.