The damage caused by a "Falling Object" will only be insured if the "Falling Object"...

The concept of insuring damage caused by a "Falling Object" is often tied to specific conditions that need to be satisfied for a claim to be valid. When a "Falling Object" strikes the exterior of the building, it aligns with standard insurance policy language that describes covered perils.

The rationale behind this is that damage to the structure itself (the exterior) represents a direct threat to the integrity of the property and is typically covered under most commercial and residential property insurance policies. This includes incidents where an object, regardless of its origin, impacts the outer surfaces of a building, causing physical damage that necessitates repair or replacement.

In contrast, interpretations that focus solely on whether the object fell from a specific source, such as an aircraft, or whether it only impacted the building without causing exterior damage, are less comprehensive in scope. For example, damage solely to personal property without any impact to the structure generally does not meet the criteria for coverage under most property insurance policies. Hence, the provision emphasizes the importance of damage to the exterior of the building as the critical factor for a legitimate claim regarding "Falling Object" incidents.