Florida CIR Practice Exam 2026 – Complete Prep Resource

Under a DP-2 policy, which is a type of dwelling insurance policy that offers broader coverage compared to a DP-1 policy, the coverage typically includes protection against specific perils, including fire caused by lightning. When a lightning strike results in a fire that damages property, the policyholder is entitled to receive compensation up to the policy limit for the damages incurred, minus any applicable deductible.

In this case, the maximum amount Christy can claim would be the policy limit, which represents the maximum financial protection offered by the insurance policy for the dwelling. The figure of $95,000 aligns with the assumption that this is the coverage limit reflected in her policy documents. Thus, under the terms of the DP-2 policy, she can claim up to that amount for the damages caused by the lightning-induced fire, effectively covering her financial loss up to the stated policy limits.

This makes $95,000 the correct option, as it reflects the cap on what can be claimed under the policy for the particular loss described.