Which of the following does NOT fall under Garagekeepers specified causes of loss coverage?

Garagekeepers specified causes of loss coverage is designed to protect personal property while it is in the care of a garage or auto repair service. This coverage typically includes specific perils that can damage vehicles or equipment, such as fire, lightning, and falling objects.

Windstorm, however, is often excluded under this type of coverage. The inclusion of damages caused by fire, lightning, and falling objects provides a clear delineation of risks that are traditionally insurable under garagekeepers coverage. Windstorm presents a broader risk that might arise from various conditions, and it may not be included within the specified causes of loss because it can lead to more variable and widespread damage, which is difficult to manage under the terms of this specific coverage.

This distinction is crucial for understanding the limitations of garagekeepers coverage and the types of risks that are intentionally excluded. By recognizing that windstorm does not typically qualify for coverage, you can better navigate insurance options and potential risks involved in garagekeeping operations.