Coverage A – Dwelling And Coverage B. Other Structures
1. We insure against risk of direct physical loss to property described in Coverages A and B.
2. We do not insure, however, for loss:
a. Excluded under General Exclusions;
b. Involving collapse, except as provided in Other Coverage 10. Collapse; or
c. Caused by:
(1) Freezing of a plumbing, heating, air conditioning or automatic fire protective sprinkler system or of a household ap- pliance, or by discharge, leakage or overflow from within the system or appli- ance caused by freezing. This provision does not apply if you have used reason- able care to:
(a) Maintain heat in the building; or
(b) Shut off the water supply and drain all systems and appliances of water;
(2) Freezing, thawing, pressure or weight of water or ice, whether driven by wind or not, to a:
(a) Fence, pavement, patio or swimming pool;
(b) Footing, foundation, bulkhead, wall, or any other structure or device, that supports all or part of a building or other structure;
(c) Retaining wall or bulkhead that does not support all or part of a building or other structure; or
(d) Pier, wharf or dock;
(3) Theft of property not part of a covered building or structure;
(4) Theft in or to a dwelling or structure under construction;
(5) Wind, hail, ice, snow or sleet to:
(a) Outdoor radio and television anten- nas and aerials including their lead-in wiring, masts or towers; or
(b) Trees, shrubs, plants or lawns;
(6) Vandalism and malicious mischief, theft or attempted theft, and any ensuing loss caused by any intentional and wrongful act committed in the course of the van- dalism or malicious mischief, theft or at- tempted theft, if the dwelling has been vacant for more than 60 consecutive days immediately before the loss. A dwelling being constructed is not con- sidered vacant;
(7) Constant or repeated seepage or leak- age of water or steam over a period of weeks, months or years from within a plumbing, heating, air conditioning or au- tomatic fire protective sprinkler system or from within a household appliance.
(8) Any of the following:
(a) Wear and tear, marring, deteriora- tion;
(b) Mechanical breakdown, latent defect, inherent vice, or any quality in prop- erty that causes it to damage or xx- xxxxx itself;
(c) Smog, rust or other corrosion, mold, wet or dry rot;
(d) Smoke from agricultural smudging or industrial operations;
(e) Discharge, dispersal, seepage, mi- gration release or escape of pollu- tants unless the discharge, dispersal, seepage, migration, release or es- cape is i...
Coverage A – Dwelling And Coverage B. Other Structures
1. We insure against sudden and accidental direct physical loss to property described in Coverage A and B.
2. We do not insure, however, for loss:
a. Excluded under Section I – Exclusions;
b. Involving collapse including any of the following conditions of property or any
(1) An abrupt falling down or caving in;
(2) Loss to structural integrity, including separation of parts of the property or property in danger of falling down or caving in; or
(3) Any “spalling”, crumbling, settling, cracking, shifting, bulging, racking, sagging, bowing, bending, leaning, shrinkage or expansion, or any other age or maintenance related issues, as such condition relates to (1) or (2) above; except as provided in E.8. Collapse under Section I – Property Coverages; or
c. 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 provision does not apply if you have used reasonable care to:
(a) Maintain heat in the building; or
Coverage A – Dwelling And Coverage B. Other Structures Windstorm or Hail including Wind or Hail- Driven Rain.
a) Wear and tear, marring, deterioration;
b) Inherent vice, latent defect, mechanical breakdown;
c) Smog, rust, or other corrosion.
Coverage A – Dwelling And Coverage B. Other Structures
1. We insure against risk of direct physical loss to property described in Coverages A and B.
2. We do not insure, however, for loss:
a. Excluded under Section I – Exclusions;
b. Involving collapse, except as provided in ished because of damage by a Peril In- sured Against to another part of that cov- ered building or other structure; or
Coverage A – Dwelling And Coverage B. Other Structures
1. We insure against risk of direct physical loss to property described in Coverages A and B.
2. We do not insure, however, for loss:
a. Excluded under Section I – Exclusions;
b. Involving collapse, except as provided in C.5. Collapse - Property Coverages; or
c. 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 provision does not apply if you have used reasonable care to:
(a) Maintain heat in the building; or
(b) Shut off the water supply and drain all systems and appliances of water. However, if the building is protected by an automatic fire protective sprinkler system, you must use reasonable care to continue the water supply and maintain heat in the building for coverage to apply. 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;
(2) Freezing, thawing, pressure or weight of water or ice, whether driven by wind or not, to a:
(a) Fence, pavement, patio or swimming pool;
(b) Footing, foundation, bulkhead, wall, or any other structure or device that supports all or part of a building, or other structure;
(c) Retaining wall or bulkhead that does not support all or part of a building or other structure; or
(d) Pier, wharf or dock;
