Regarding a deer causing damage when entering a home, what would happen to the contents claim under Mr. Simpson's DP-3 policy?

Under Mr. Simpson's DP-3 policy, the scenario involving a deer causing damage when entering a home typically affects how the contents claim is handled. A DP-3 policy, also known as a Special Form policy, covers all risks to the dwelling unless specifically excluded, and personal property (contents) is typically covered on an actual cash value (ACV) basis.

In this case, if the damage caused by the deer leads to a denial of the contents claim, it is likely due to specific exclusions or limitations within the policy that do not cover damage to personal property in such situations. However, the policy may still cover the structural damage to the dwelling itself, which is paid on a replacement cost basis.

Thus, while the contents claim may be denied due to the nature of the damage or exclusions in the policy, the damage to the dwelling structure is compensated for at its replacement cost. This distinction is essential as it emphasizes the coverage differences for dwelling and contents under a DP-3 policy, leading to the understanding that while the contents may not be covered, the dwelling itself will receive the appropriate compensation.