Registered Insurance Brokers of Ontario (RIBO) Practice Exam

The correct answer pertains to hail damage to the roof of the automobile, as it is typically included under the specified perils section of an insurance policy. Specified perils coverage generally includes particular types of risks that are explicitly listed in the policy, and damage caused by hail is commonly recognized as a natural peril that can lead to significant physical harm to the automobile or its components.

The coverage under specified perils is designed to protect against unforeseen events like hail storms that could directly damage the vehicle. Such perils fall under the category of environmental risks, which many insurance policies address.

Other options involve incidents that may not necessarily be classified under specified perils. For example, theft of personal items typically falls under personal property or theft coverage rather than specified perils. Accidental damage due to vandalism may be considered under comprehensive coverage but not explicitly listed as a specified peril. Electrical faults, on the other hand, are usually due to wear and tear or manufacturing defects, which do not qualify as sudden and accidental losses caused by the perils specified in the insurance policy.