New York Independent General Adjuster Practice Exam

The DP-2 (Broad Form) policy provides coverage for various types of property damage, including losses resulting from windstorms, under certain conditions. In the context of windstorm damage, the downed fencing is typically covered as part of the property's structures, and this coverage extends to any permanent structures on the property.

Regarding water-damaged furniture, while the DP-2 form does cover personal property within the dwelling (with some limitations), it specifically addresses losses due to specific perils like windstorm damage. In the case of water damage stemming directly from that windstorm—such as when wind drives rain into an open structure or compromises the integrity of the roof—furniture can be covered if it falls under the same incident.

Therefore, both the fencing and the water-damaged furniture are included in the coverage provided by the DP-2 form, assuming they meet the criteria of being affected directly by the windstorm. This makes the answer reflect the comprehensive nature of the coverage associated with property damage under the DP-2 form.