Which of the following is NOT a covered peril under DP-2?

The correct answer is that wear and tear from the elements is not a covered peril under the DP-2 (Dwelling Property 2) policy. DP-2 policies provide broader coverage than DP-1 (the basic form), including coverage for specific perils like fire, windstorm, hail, vandalism, and certain types of water damage.

However, wear and tear refers to the gradual deterioration of property due to regular use or exposure to environmental factors, which is generally considered a maintenance issue rather than an insured peril. Insurance policies, including the DP-2, typically exclude damage resulting from negligence, lack of maintenance, or the natural aging of property.

In contrast, the other options listed—weight of ice, snow, or sleet; accidental discharge of water; and damage caused by falling objects—are explicitly covered perils in a DP-2 policy. Each of these perils can cause sudden or accidental damage to property, fitting the criteria for coverage.