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General

Peril

A peril is a specific cause of loss, such as fire, theft, wind, hail, or water damage. Whether a loss is covered depends on whether the peril that caused it is included in your policy.

A specific cause of loss. Fire, theft, wind, hail, lightning, vandalism, water leak. Example: a tree falls on your roof. The peril is wind, which is covered. The same tree falling because of slow root rot from a yard you neglected would be the peril of decay, which usually is not covered.