Caused by Sample Clauses
The "Caused by" clause defines the requirement that a party is only responsible for losses, damages, or liabilities that are directly attributable to their actions or omissions. In practice, this means that if an event or harm occurs, responsibility is assigned only if it can be shown that the party's conduct was the actual cause of the issue, rather than being held liable for unrelated or indirect consequences. This clause serves to limit liability by ensuring that parties are not unfairly held responsible for outcomes beyond their control, thereby allocating risk more fairly and providing clarity regarding the scope of responsibility.
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Caused by a. Freezing of a plumbing, heating, air condition- ing or automatic fire protective sprinkler sys- tem or of a household appliance, or by dis- charge, leakage or overflow from within the system or appliance caused by freezing. This exclusion applies only while the dwelling is va- cant, unoccupied or being constructed, unless you have used reasonable care to:
(1) Maintain heat in the building; or
(2) Shut off the water supply and drain the system and appliances of water;
b. Freezing, thawing, pressure or weight of water or ice, whether driven by wind or not, to a:
(1) Fence, pavement, patio or swimming pool;
(2) Foundation, retaining wall, or bulkhead; or
(3) Pier, wharf or dock;
c. Theft in or to a dwelling under construction, or of materials and supplies for use in the con- struction until the dwelling is finished and oc- cupied;
d. Vandalism and malicious mischief if the dwelling has been vacant for more than 30 consecutive days immediately before the loss. A dwelling being constructed is not considered vacant;
e. Any of the following:
(1) Wear and tear, marring, deterioration;
(2) Inherent vice, latent defect, mechanical breakdown;
(3) Smog, rust or other corrosion, mold, wet or dry rot;
(4) Smoke from agricultural smudging or indus- trial operations;
(5) Discharge, dispersal, seepage, migration, release or escape of pollutants unless the discharge, dispersal, seepage, migration, release or escape is itself caused by a Peril Insured Against under Coverage C of this policy.
(6) Settling, shrinking, bulging or expansion, including resultant cracking, of pavements, patios, foundations, walls, floors, roofs or ceilings;
(7) Birds, vermin, rodents, or insects; or
(8) Animals owned or kept by an "insured."
Caused by. (1) Freezing of a plumbing, heating, air conditioning or automatic fire protective sprinkler system or of a household appliance, or by discharge, leakage or overflow from within the system or appliance caused by freezing. This exclusion applies only while the dwelling is “vacant,” “unoccupied” or being constructed, unless you have used reasonable care to:
Caused by a. Freezing of a plumbing, heating, air conditioning or automatic fire protective sprinkler system or of a household appliance, or by discharge, leakage or overflow from within the system or appliance caused by freezing. This provision does not apply if you have used reasonable care to:
(1) Maintain heat in the building; or
(2) Shut off the water supply and drain all systems and appliances of water.
Caused by a. Freezing of a plumbing, heating, air condition- ing or automatic fire protective sprinkler sys- tem or of a household appliance, or by dis- charge, leakage or overflow from within the system or appliance caused by freezing.
(1) Maintain heat in the building; or
(2) Shut off the water supply and drain the system and appliances of water;
b. Freezing, thawing, pressure or weight of water or ice, whether driven by wind or not, to a:
(1) Fence, pavement, patio or swimming pool;
(2) Foundation, retaining wall, or bulkhead; or
(3) Pier, wharf or dock;
c. Theft in or to a dwelling under construction, or of materials and supplies for use in the con- struction until the dwelling is finished and oc- cupied;
d. Theft or attempted theft in or to a dwelling if the dwelling has been “vacant” for more than
Caused by a. Freezing of a plumbing, heating, air conditioning or automatic fire protective sprinkler system or of a household appliance, or by discharge, leakage or overflow from within the system or appliance caused by freezing. This EXCLUSION applies only while the dwelling is “vacant”, “unoccupied” or being constructed unless you have used reasonable care to:
(1) Maintain heat in the building; or
(2) Shut off the water supply and drain the system and appliances of water;
b. Freezing, thawing, pressure or weight of water or ice, whether driven by wind or not, to a:
(1) Fence, pavement, patio or swimming pool;
(2) Foundation, retaining wall or bulkhead; or
(3) Pier, wharf or dock;
c. Theft of property not part of a covered building or structure;
d. Theft in or to a dwelling or structure under construction;
Caused by a. freezing of a plumbing, heating, air conditioning or automatic fire protective sprinkler system or of a household appliance, or by discharge, leakage or overflow from within the system or appliance caused by freezing. This exclusion applies only while the dwelling is vacant, unoccupied or being constructed unless you have used reasonable care to:
(1) maintain heat in the building; or
(2) shut off the water supply and drain the system and appliances of water;
b. freezing, thawing, pressure or weight of water or
(1) fence, pavement, patio or swimming pool;
(2) foundation, retaining wall or bulkhead; or
(3) pier, wharf or dock;
c. theft of property not part of a covered building or structure;
d. theft in or to a dwelling or structure under con- struction;
e. wind, hail, ice, snow or sleet to:
(1) outdoor radio and television antennas and aerials including their lead-in wiring, masts or towers; or
(2) trees, shrubs, plants or lawns;
f. vandalism and malicious mischief, theft or at tempted theft if the dwelling has been vacant for more than 30 consecutive days immediately before the loss. A dwelling being constructed is not considered vacant;
g. 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 sprin- ▇▇▇▇ system or from within a household appli- ance;
h. (1) wear and tear, marring, deterioration;
Caused by a. Freezing of a plumbing, heating, air conditioning or automatic fire protective sprinkler system or of a household appliance, or by discharge, leakage or overflow from within the system or appliance caused by freezing. This exclusion applies only while the dwelling is vacant, unoccupied or being constructed, unless you have used reasonable care to:
(1) Maintain heat in the building; or
(2) Shut off the water supply and drain the system and appliances of water;
b. Freezing, thawing, pressure or weight of water or ice, whether driven by wind or not, to a:
(1) Fence, pavement, patio or swimming pool;
(2) Foundation, retaining wall, or bulkhead; or
(3) Pier, wharf or dock;
c. Theft in or to a dwelling under construction, or of materials and supplies for use in the construction until the dwelling is finished and occupied;
d. Vandalism and malicious mischief if the dwelling has been vacant for more than 30 consecutive days immediately before the loss. A dwelling being constructed is not considered vacant;
e. Any of the following:
(1) Wear and tear, marring, deterioration;
(2) Inherent vice, latent defect, mechanical breakdown;
(3) Smog, rust or other corrosion, mold, wet or dry rot;
(4) Smoke from agricultural smudging or industrial operations;
(5) Discharge, dispersal, seepage, migration, release or escape of pollutants unless the discharge, dispersal, seepage, migration, release or escape is itself caused by a Peril Insured Against under Coverage C of this policy.
(6) Settling, shrinking, bulging or expansion, including resultant cracking, of pavements, patios, foundations, walls, floors, roofs or ceilings;
(7) Birds, vermin, rodents, or insects; or
(8) Animals owned or kept by an "insured."
Caused by a. Freezing of a plumbing, heating, air conditioning or automatic fire protective sprinkler system or of a household appliance, or by discharge, leakage or overflow from within the system or appliance caused by freezing.
(1) Maintain heat in the building; or
(2) Shut off the water supply and drain the system and appliances of water;
b. Freezing, thawing, pressure or weight of water or ice, whether driven by wind or not, to a:
(1) Fence, pavement, patio or swimming pool;
(2) Foundation, retaining wall, or bulkhead; or
(3) Pier, wharf or dock;
c. Theft in or to a dwelling under construction, or of materials and supplies for use in the construction until the dwelling is finished and occupied;
d. Theft or attempted theft in or to a dwelling if the dwelling has been “vacant” for more than 30 consecutive days immediately before the loss;
e. Vandalism and malicious mischief if the dwelling has been “vacant” for more than 30 consecutive days immediately before the loss.
f. Accidental discharge or overflow of water or steam;
(1) The cost that we will pay for the tear out and repair of the part or portion of the building or other structure covered under COVERAGE A or B as specified above is limited to only that part or portion of the covered building or other structure which is necessary to provide access the part or portion of the system or appliance that caused the covered loss, whether the system or appliance, or any part or portion of the system or appliance, is repairable or not.
(2) In no event will we pay for the repair or the replacement of the system or appliance that caused the covered loss.
(1) The system or appliance from which this water or steam escaped;
(2) On the “residence premises” caused by accidental discharge or overflow which occurs off the “residence premises”;
(3) Caused by constant or repeated seepage or leakage of water or steam, or the presence or condensation of humidity, moisture or vapor if any of these occurs over a period of 14 or more days, whether hidden or not; or
(4) To a plumbing system, whether above or below the ground, caused by:
(a) Age, collapse, obsolescence, wear, tear;
(b) Fading, oxidation, weathering;
(c) Deterioration, decay, marring, delamination, crumbling, settling, cracking;
(d) Shifting; ▇▇▇▇▇▇▇, racking, sagging, bowing, bending, leaning;
(e) Shrinkage, expansion, contraction, bellying, corrosion;
(f) The unavailability or discontinuation of a part or component of the system; or
(g) Any other age or maintenance r...