MIP Settling

the reported damages are the result of settling occurring over an extended period, of time.

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;
2. Involving collapse, other than as provided in Other Coverages 5;
3. Caused by:
4. Freezing, thawing, pressure or weight of water or ice, whether driven by wind or not, to a
5. Fence, pavement, patio or swimming pool;
6. Footing, foundation, bulkhead, wall, or any other structure or device that supports all or part of a building or other structure;
7. Retaining wall or bulkhead that does not support all or part of a building or other structure; or
8. Pier, wharf or dock;
9. Theft of property not part of a covered residential property or structure;
10. Theft in or to a dwelling or structure under construction;
11. Wind, hail, ice, snow or sleet to:
12. Outdoor radio and television antennas and aerials including their lead-in wiring, masts or towers; or
13. Trees, shrubs, plants or lawns;
14. Constant or repeated seepage or leakage of water or steam over a period of  weeks, months or years from within a plumbing, heating, air conditioning or automatic fire protective sprinkler system or from within a household appliance;

For purposes of this provision, a plumbing system or household appliance does not include a sump, sump pump or related equipment or a roof drain, gutter, downspout or similar fixtures or equipment;

• Any of the following:
• Wear and tear, marring, deterioration;
• Inherent vice, latent defect, mechanical breakdown;
• Smog, rust or other corrosion, fungi, mold, wet or dry rot.

Fungi means any type or form of fungus, including mold or mildew, and any mycotoxins, spores, scents or by-products produced or released by fungi;

• Smoke from agricultural smudging or industrial operations;
• Discharge, dispersal, seepage, migration release or escape 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;

• Settling, shrinking, bulging or expansion, including resultant cracking, of pavements, patios, foundations, walls, floors, roofs or ceilings; or
• Birds, vermin, rodents, insects or domestic animals.