Which type of loss is covered under the specified perils section of the policy?

The specified perils section of an automobile insurance policy typically covers certain types of loss associated with specific risks that are outlined in the policy. Hail damage to the roof of the automobile falls under this coverage because it is an external event that can cause direct physical damage to the vehicle. The specified perils section often includes natural elements like hail, which can result in significant harm to a car's exterior, leading to costly repairs.

In contrast, damages caused by radioactive contamination, theft of personal belongings like tapes, or damage from freezing water in a radiator typically do not qualify as risks covered under the specified perils section. Radioactive contamination is generally excluded from standard coverage due to its unique and extreme nature, while theft of personal items is usually addressed under personal property coverage, not the automobile policy itself. Damage from freezing water is often related to mechanical breakdowns or improper maintenance, which are typically excluded from coverage meant for specific perils. Thus, hail damage is the one that aligns directly with the perils that are covered under the specified risks outlined in the policy.