PERILS INSURED AGAINST
COVERAGE A – DWELLING and
COVERAGE B – OTHER STRUCTURES
We insure against risk of direct loss to property described in Coverages A and B only if that loss is a physical loss to property; however, we do not insure loss:
1. Excluded under General Exclusions;
- Caused by:
f. Any of the following:
(1)Wear and tear, marring, deterioration;
(2)Inherent vice, latent defect, mechanical breakdown;
If any of these cause water damage not otherwise excluded, from a plumbing, heating, air conditioning or automatic fire protective sprinkler system or household appliance, we cover loss caused by the water including the cost of tearing out and replacing any part of a residential property necessary to repair the system or appliance. We do not cover loss to the system or appliance from which this water escaped.
For the purposes of this provision, a plumbing system or household appliance does not include a sump, sump pump or related equipment or roof drain, gutter, downspout or similar fixtures or equipment.
General Exclusion 1.c. Water Damage, Paragraphs (1) and (3) that apply to surface water and water below the surface of ground do not apply to loss by water covered under 3.f.above.
Under items 1. and 2., any ensuing loss to property described in Coverages A and B not excluded or excepted in this Certificate is covered.
GENERAL EXCLUSIONS
2. 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.
c. Faulty, inadequate or defective;
(1) Planning, zoning, development, surveying, siting;
(2) Design, specifications, workmanship, repair, construction, renovation, remodeling, grading,
compaction;
(3) Materials used in repair, construction, renovation or remodeling; or
(4) Maintenance; of part or all of any property whether on or off the described location.
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