What does the falling object peril in the Broad Form (DP-2) policy cover?

The falling object peril in the Broad Form (DP-2) policy is designed to cover damage to the interior of a building, but it is contingent upon the prior damage to the exterior structure. This means that for the interior damage to be covered, there must first be an event where a falling object causes damage to the exterior of the building. This aspect of the policy reflects the principle of causation, where the triggering event (the falling object striking the exterior) must occur before any subsequent damage to the interior can be claimed.

This coverage helps to address situations where, for example, a tree limb falls on the roof of a house (the exterior), puncturing it, and causing water to leak into the home, thereby damaging the interior. Without that initial impact to the exterior, there would be no path for the coverage to flow through to the interior damage sustained.