Which of the following rain-related losses would be covered under this renters insurance policy?
a. your laptop is ruined because you left your window open during a moderate rain shower
b. your mattress is ruined because part of the apartment's roof blew off during a major rainstorm, creating
a stream of water landing directly on your bed
c. your carpet is ruined because your roommate negligently left her wet boots, umbrella, and raincoat
sitting in a pile on the rug all afternoon
d. you lose a day's wages because a horrible rainstorm makes it impossible to get to your job