Under an HO-B policy, what is the coverage status of personal property in a building if damage occurs due to an opening in the roof?

Under an HO-B policy, personal property in a building that is damaged due to an opening in the roof typically falls under the "no coverage" status. Homeowners policies, such as the HO-B, are designed to cover personal property under specific circumstances and often include exclusions related to certain types of damage.

In this scenario, the absence of coverage stems from the nature of the peril that led to the damage. An opening in the roof could suggest a lack of proper maintenance or could be categorized as an issue arising from wear and tear, which is generally not covered. Homeowners insurance policies generally provide coverage for sudden and accidental losses but may not extend to damage resulting from maintenance issues or gradual deterioration.

Therefore, without an identifiable peril that aligns with the conditions of the policy, the resulting damage to personal property due to an opening in the roof would not be covered by the policy.