MIP General Exclusions Full Section:

GENERAL EXCLUSIONS

1. We do not insure for loss caused directly or indirectly by any of the following. Such loss is excluded regardless of any other cause or event contributing concurrently or in any sequence to the loss.  These exclusions apply whether or not the loss event results in widespread damage or affects a substantial area.
2. Ordinance or Law.

Ordinance or Law means any ordinance or law:

• Requiring or regulating the construction, demolition, remodeling, renovation or repair of property, including removal of any resulting debris. This exclusion 1.a.(1) does not apply to the Limit of Liability that may be provided under Other Coverage 7. Ordinance or Law:
• The requirements of which result in a loss in value to property; or
• Requiring you or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, pollutants.

Pollutants means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste.  Waste includes materials to be recycled, reconditioned or reclaimed.

This exclusion 1.a. applies whether or not the property has been physically damaged.

• Earth Movement.

Earth Movement means:

(1)   Earthquake, including land shock waves or tremors before, during or after a volcanic eruption;

(2)   Landslide, mudslide or mudflow;

(3)   Subsidence or sinkhole; or

(4)   Any other earth movement including earth sinking, rising or shifting;

caused by or resulting from human or animal forces or any act of nature unless direct loss by fire or explosion ensues and then we will pay only for the ensuing loss.

• Water Damage, meaning:
• Flood, surface water, waves, tidal water, overflow of a body of water, or spray from any of these, whether or not driven by wind;
• Water or water-borne material which backs up through sewers or drains  or which overflows from a sump, sump pump or related equipment; or
• Water or water-borne material below the surface of the ground, including water which exerts pressure on or seeps or leaks through a residential property, sidewalk, driveway, foundation, swimming pool or other structure;

Caused by or resulting from human or animal forces or any act of nature.

Direct loss by fire or explosion resulting from water damage is covered.

d.    Power Failure, meaning the failure of power or other utility service if the failure takes place off the described location. But, if a Peril Insured Against ensues on the described location, we will pay only for that ensuing loss.

• Neglect, meaning your neglect to use all reasonable means to save and preserve property at and after the time of a loss.
• War, including undeclared war, civil war, insurrection, rebellion, revolution, warlike act by a military force or military personnel, destruction or seizure or use for a military purpose, and including any consequence of any of these. Discharge of a nuclear weapon will be deemed a warlike act even if accidental.
• Nuclear Hazard, to the extent set forth in the Nuclear Hazard Clause of the Conditions.
• Intentional Loss, meaning any loss arising out of any act committed:
  • By you or at your direction; and
  • With the intent to cause a loss.
• We do not insure for loss to property described in Coverages A and B caused by any of the following However, any ensuing loss to property described in Coverages A and B not excluded or excepted in this Certificate is covered.
• Weather conditions. However, this exclusion only applies if weather conditions contribute in any way with a cause or event excluded in paragraph 1. above to produce the loss;
• Acts or decisions, including the failure to act or decide, of any person, group, organization or governmental body;
• Faulty, inadequate or defective;
• Planning, zoning, development, surveying, siting;
• Design, specifications, workmanship, repair, construction, renovation, remodeling, grading, compaction;
• Materials used in repair, construction, renovation or remodeling; or
• Maintenance;

of part or all of any property whether on or off the described location.