Which covered peril involves damage caused by natural phenomena like thunderstorms?

The option that involves damage caused by natural phenomena like thunderstorms is indeed Wind and Hail. Thunderstorms typically present strong winds and the potential for hail, which are common causes of property damage. For homeowners insurance, the peril associated with various weather-related events often includes damage from these elements, making this coverage essential for protecting homes against the effects of severe weather.

In the context of homeowners insurance, Wind and Hail coverage is particularly significant because it safeguards against damage resulting from high winds and any hail that falls during storms. This type of coverage is critical, as it encompasses a range of damage scenarios, such as broken windows, roof damage, and even destruction of exterior structures.

Understanding the types of perils covered under a homeowners insurance policy helps homeowners make informed decisions about their coverage choices, ensuring they are adequately protected against the most common risks associated with natural weather phenomena.