the reported damages are the result of normal wear and tear, 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:
- Excluded under General Exclusions;
3. Caused by:
f. Any of the following:
(1)Wear and tear, marring, deterioration;
(2)Inherent vice, latent defect, mechanical breakdown;
(3)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;
(4)Smoke from agricultural smudging or industrial operations;
(5)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;
(6)Settling, shrinking, bulging or expansion, including resultant cracking, of pavements, patios, foundations, walls, floors, roofs or ceilings; or
(7)Birds, vermin, rodents, insects or domestic animals.
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.
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