Common use of Coverage A – Dwelling And Coverage B – Other Structures Clause in Contracts

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. 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 ap- pliance caused by freezing. This provi- sion 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. (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 in or to a dwelling under construc- tion, or of materials and supplies for use in the construction until the dwelling is finished and occupied; (4) Vandalism and malicious mischief, and any ensuing loss caused by any inten- tional and wrongful act committed in the course of the vandalism or malicious mischief, if the dwelling has been vacant for more than 60 consecutive days im- mediately before the loss. A dwelling being constructed is not considered va- cant; (5) Mold, fungus or wet rot. However, we do insure for loss caused by mold, fungus or wet rot that is hidden within the walls or ceilings or beneath the floors or above the ceilings of a structure if such loss results from the accidental dis- charge or overflow of water or steam from within: (a) A plumbing, heating, air conditioning or automatic fire protective sprinkler system, or a household appliance, on the "residence premises"; or (b) A storm drain, or water, steam or sewer pipes, off the "residence premises". (6) Any of the following: (a) Wear and tear, marring, deteriora- tion; (b) Mechanical breakdown, latent de- fect, inherent vice, or any quality in property that causes it to damage or destroy itself; (c) Smog, rust or other corrosion, or dry rot; (d) Smoke from agricultural smudging or industrial operations; (e) Discharge, dispersal, seepage, mi- gration, release or escape of pollut- ants unless the discharge, dispersal, seepage, migration, release or es- cape is itself caused by a Peril In- sured Against named under Cover- age C. Pollutants means any solid, liquid, gaseous or thermal irritant or con- taminant, including smoke, vapor, soot, fumes, acids, alkalis, chemi- cals and waste. Waste includes materials to be recycled, recondi- tioned or reclaimed; (f) Settling, shrinking, bulging or expan- sion, including resultant cracking, of bulkheads, pavements, patios, foot- ings, foundations, walls, floors, roofs or ceilings; (g) Birds, vermin, rodents, or insects; or (h) Animals owned or kept by an "in- sured". (6) Unless the loss is otherwise excluded, we cover loss to property covered under Cov- erage A or B resulting from an accidental discharge or overflow of water or steam from within a: (i) Storm drain, or water, steam or sewer pipe, off the "residence premises"; or (ii) Plumbing, heating, air conditioning or automatic fire protective sprinkler sys- tem or household appliance on the "residence premises". This includes the cost to tear out and replace any part of a building, or other structure, on the "resi- dence premises", but only when neces- sary to repair the system or appliance. However, such tear out and replace- ment coverage only applies to other structures if the water or steam causes actual damage to a building on the "residence premises". Section I Exclusion A.3. Water Damage, Paragraphs a. and c. that apply to surface water and water below the surface of the ground do not apply to loss by water covered under c.(5) and (6) above. Under 2.b. and c. above, any ensuing loss to property described in Coverages A and B not precluded by any other provision in this policy is covered.

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. 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 ap- pliance caused by freezing. This provi- sion 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. (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 in or to a dwelling under construc- tion, or of materials and supplies for use in the construction until the dwelling is finished and occupied; (4) Vandalism and malicious mischief, and any ensuing loss caused by any inten- tional and wrongful act committed in the course of the vandalism or malicious mischief, if the dwelling has been vacant for more than 60 consecutive days im- mediately before the loss. A dwelling being be- ing constructed is not considered va- cant; (5) Mold, fungus or wet rot. However, we do insure for loss caused by mold, fungus or wet rot that is hidden within the walls or ceilings or beneath the floors or above the ceilings of a structure if such loss results from the accidental dis- charge or overflow of water or steam from within: (a) A plumbing, heating, air conditioning or automatic fire protective sprinkler system, or a household appliance, on the "residence premises"; or (b) A storm drain, or water, steam or sewer pipes, off the "residence premises". (6) Any of the following: (a) Wear and tear, marring, deteriora- tion; (b) Mechanical breakdown, latent de- fect, inherent vice, or any quality in property that causes it to damage or destroy itself; (c) Smog, rust or other corrosion, or dry rot; (d) Smoke from agricultural smudging or industrial operations; (e) Discharge, dispersal, seepage, mi- gration, release or escape of pollut- ants pollu- tants unless the discharge, dispersaldisper- xxx, seepage, migration, release or es- cape escape is itself caused by a Peril In- sured Against named under Cover- age C. Pollutants means any solid, liquid, gaseous or thermal irritant or con- taminant, including smoke, vapor, soot, fumes, acids, alkalis, chemi- cals and waste. Waste includes materials ma- terials to be recycled, recondi- tioned reconditioned or reclaimed; (f) Settling, shrinking, bulging or expan- sion, including resultant cracking, of bulkheads, pavements, patios, foot- ings, foundations, walls, floors, roofs or ceilings; (g) Birds, vermin, rodents, or insects; or (h) Animals owned or kept by an "in- sured". (6) Unless the loss is otherwise excluded, we cover loss to property covered under Cov- erage A or B resulting from an accidental discharge or overflow of water or steam from within a: (i) Storm drain, or water, steam or sewer pipe, off the "residence premises"; or (ii) Plumbing, heating, air conditioning or automatic fire protective sprinkler sys- tem or household appliance on the "residence res- idence premises". This includes the cost to tear out and replace any part of a building, or other structure, on the "resi- dence premises", but only when neces- sary to repair the system or appliance. However, such tear out and replace- ment coverage only applies to other structures if the water or steam causes actual damage to a building on the "residence res- idence premises". Section I Exclusion A.3. Water Damage, Paragraphs a. and c. that apply to surface water wa- ter and water below the surface of the ground do not apply to loss by water covered under c.(5) and (6) above. Under 2.b. and c. above, any ensuing loss to property described in Coverages A and B not precluded by any other provision in this policy is covered.

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. 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 ap- pliance caused by freezing. This provi- sion 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. (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 in or to a dwelling under construc- tion, or of materials and supplies for use in the construction until the dwelling is finished and occupied; (4) Vandalism and malicious mischief, and any ensuing loss caused by any inten- tional and wrongful act committed in the course of the vandalism or malicious mischief, if the dwelling has been vacant for more than 60 consecutive days im- mediately before the loss. A dwelling being constructed is not considered va- cant; (5) Mold, fungus or wet rot. However, we do insure for loss caused by mold, fungus or wet rot that is hidden within the walls or ceilings or beneath the floors or above the ceilings of a structure if such loss results from the accidental dis- charge or overflow of water or steam from within: (a) A plumbing, heating, air conditioning or automatic fire protective sprinkler system, or a household appliance, on the "residence premises"; or (b) A storm drain, or water, steam or sewer pipes, off the "residence premises". (6) Any of the following: (a) Wear and tear, marring, deteriora- tion; (b) Mechanical breakdown, latent de- fect, inherent vice, or any quality in property that causes it to damage or destroy itself; (c) Smog, rust or other corrosion, or dry rot; (d) Smoke from agricultural smudging or industrial operations; (e) Discharge, dispersal, seepage, mi- gration, release or escape of pollut- ants unless the discharge, dispersal, seepage, migration, release or es- cape is itself caused by a Peril In- sured Against named under Cover- age C. Pollutants means any solid, liquid, gaseous or thermal irritant or con- taminant, including smoke, vapor, soot, fumes, acids, alkalis, chemi- cals and waste. Waste includes materials to be recycled, recondi- tioned or reclaimed; (f) Settling, shrinking, bulging or expan- sion, including resultant cracking, of bulkheads, pavements, patios, foot- ings, foundations, walls, floors, roofs or ceilings; (g) Birds, vermin, rodents, or insects; or (h) Animals owned or kept by an "in- sured". (6) Unless the loss is otherwise excluded, we cover loss to property covered under Cov- erage A or B resulting from an accidental discharge or overflow of water or steam from within a: (i) Storm drain, or water, steam or sewer pipe, off the "residence premises"; or (ii) Plumbing, heating, air conditioning or automatic fire protective sprinkler sys- tem or household appliance on the "residence premises". This includes the cost to tear out and replace any part of a building, or other structure, on the "resi- dence premises", but only when neces- sary to repair the system or appliance. However, such tear out and replace- ment coverage only applies to other structures if the water or steam causes actual damage to a building on the "residence premises". Section I Exclusion A.3. Water Damage, Paragraphs a. and c. that apply to surface water and water below the surface of the ground do not apply to loss by water covered under c.(5) and (6) above. Under 2.b. and c. above, any ensuing loss to property described in Coverages A and B not precluded by any other provision in this policy is covered.

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. 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 ap- pliance caused by freezing. This provi- sion 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. (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 in or to a dwelling under construc- tion, or of materials and supplies for use in the construction until the dwelling is finished and occupied; (4) Vandalism and malicious mischief, and any ensuing loss caused by any inten- tional and wrongful act committed in the course of the vandalism or malicious mischief, if the dwelling has been vacant for more than 60 consecutive days im- mediately before the loss. A dwelling being constructed is not considered va- cant; (5) Mold, fungus or wet rot. However, we do insure for loss caused by mold, fungus or wet rot that is hidden within the walls or ceilings or beneath the floors or above the ceilings of a structure if such loss results from the accidental dis- charge or overflow of water or steam from within: (a) A plumbing, heating, air conditioning or automatic fire protective sprinkler system, or a household appliance, on the "residence premises"; or (b) A storm drain, or water, steam or sewer pipes, off the "residence premises". (6) Any of the following: (a) Wear and tear, marring, deteriora- tion; (b) Mechanical breakdown, latent de- fect, inherent vice, or any quality in property that causes it to damage or destroy itself; (c) Smog, rust or other corrosion, or dry rot; (d) Smoke from agricultural smudging or industrial operations; (e) Discharge, dispersal, seepage, mi- gration, release or escape of pollut- ants unless the discharge, dispersal, seepage, migration, release or es- cape is itself caused by a Peril In- sured Against named under Cover- age C. Pollutants means any solid, liquid, gaseous or thermal irritant or con- taminant, including smoke, vapor, soot, fumes, acids, alkalis, chemi- cals and waste. Waste includes materials to be recycled, recondi- tioned or reclaimed; (f) Settling, shrinking, bulging or expan- sion, including resultant cracking, of bulkheads, pavements, patios, foot- ings, foundations, walls, floors, roofs or ceilings; (g) Birds, vermin, rodents, or insects; or (h) Animals owned or kept by an "in- sured". (6) Unless the loss is otherwise excluded, we cover loss to property covered under Cov- erage A or B resulting from an accidental discharge or overflow of water or steam from within a: (i) Storm drain, or water, steam or sewer pipe, off the "residence premises"; or or (ii) Plumbing, heating, air conditioning or automatic fire protective sprinkler sys- tem or household appliance on the "residence premises". This includes the cost to tear out and replace any part of a building, or other structure, on the "resi- dence premises", but only when neces- sary to repair the system or appliance. However, such tear out and replace- ment coverage only applies to other structures if the water or steam causes actual damage to a building on the "residence premises". Section I Exclusion A.3. Water Damage, Paragraphs a. and c. that apply to surface water and water below the surface of the ground do not apply to loss by water covered under c.(5) and (6) above. Under 2.b. and c. above, any ensuing loss to property described in Coverages A and B not precluded by any other provision in this policy is covered.

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. 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 ap- pliance caused by freezing. This provi- sion 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. (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 in or to a dwelling under construc- tion, or of materials and supplies for use in the construction until the dwelling is finished and occupied; (4) Vandalism and malicious mischief, and any ensuing loss caused by any inten- tional and wrongful act committed in the course of the vandalism or malicious mischief, if the dwelling has been vacant for more than 60 consecutive days im- mediately before the loss. A dwelling being be- ing constructed is not considered va- cant; (5) Mold, fungus or wet rot. However, we do insure for loss caused by mold, fungus or wet rot that is hidden within the walls or ceilings or beneath the floors or above the ceilings of a structure if such loss results from the accidental dis- charge or overflow of water or steam from within: (a) A plumbing, heating, air conditioning or automatic fire protective sprinkler system, or a household appliance, on the "residence premises"; or (b) A storm drain, or water, steam or sewer pipes, off the "residence premises". (6) Any of the following: (a) Wear and tear, marring, deteriora- tion; (b) Mechanical breakdown, latent de- fect, inherent vice, or any quality in property that causes it to damage or destroy itself; (c) Smog, rust or other corrosion, or dry rot; (d) Smoke from agricultural smudging or industrial operations; (e) Discharge, dispersal, seepage, mi- gration, release or escape of pollut- ants unless the discharge, dispersal, seepage, migration, release or es- cape is itself caused by a Peril In- sured Against named under Cover- age C. Pollutants means any solid, liquid, gaseous or thermal irritant or con- taminant, including smoke, vapor, soot, fumes, acids, alkalis, chemi- cals and waste. Waste includes materials ma- terials to be recycled, recondi- tioned reconditioned or reclaimed; (f) Settling, shrinking, bulging or expan- sion, including resultant cracking, of bulkheads, pavements, patios, foot- ings, foundations, walls, floors, roofs or ceilings; (g) Birds, vermin, rodents, or insects; or (h) Animals owned or kept by an "in- sured". (6) Unless the loss is otherwise excluded, we cover loss to property covered under Cov- erage A or B resulting from an accidental discharge or overflow of water or steam from within a: (i) Storm drain, or water, steam or sewer pipe, off the "residence premises"; or (ii) Plumbing, heating, air conditioning or automatic fire protective sprinkler sys- tem or household appliance on the "residence premises". This includes the cost to tear out and replace any part of a building, or other structure, on the "resi- dence premises", but only when neces- sary to repair the system or appliance. However, such tear out and replace- ment coverage only applies to other structures if the water or steam causes actual damage to a building on the "residence premises". Section I Exclusion A.3. Water Damage, Paragraphs a. and c. that apply to surface water wa- ter and water below the surface of the ground do not apply to loss by water covered under c.(5) and (6) above. Under 2.b. and c. above, any ensuing loss to property described in Coverages A and B not precluded by any other provision in this policy is covered.

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 – General Exclusions; b. Involving collapse, except as provided inin 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 ap- pliance appli- ance caused by freezing. This provi- sion provision does not apply if you have used reasonable 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 device, that supports all or part of a building, 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 construc- tion, or of materials and supplies for use in the construction until the dwelling is finished and occupiedconstruction; (45) 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 inten- tional intentional and wrongful act committed in the course of the vandalism van- dalism or malicious mischief, theft or attempted theft, if the dwelling has been vacant for more than 60 consecutive days im- mediately immediately before the loss. A dwelling being constructed is not considered va- cantcon- sidered vacant; (57) Mold, fungus Constant or wet rot. However, we do insure for loss caused by mold, fungus repeated seepage or wet rot that is hidden within the walls or ceilings or beneath the floors or above the ceilings of a structure if such loss results from the accidental dis- charge or overflow leak- age of water or steam over a period of weeks, months or years from within: (a) A within a plumbing, heating, air conditioning or automatic fire protective sprinkler system, sys- tem or from within a household appliance, on the "residence premises"; or (b) A storm drain, or water, steam or sewer pipes, off the "residence premises"appli- ance. (6) 8) Any of the following: (a) Wear and tear, marring, deteriora- tion; (b) Mechanical breakdown, latent de- fectdefect, inherent vice, or any quality in property prop- erty that causes it to damage or destroy 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, gration release or escape of pollut- ants unless the discharge, dispersal, seepage, migration, release or es- cape is itself caused by a Peril In- sured Against named under Cover- age C. Pollutants means any solid, liquid, gaseous or thermal irritant or con- taminant, including smoke, vapor, soot, fumes, acids, alkalis, chemi- cals chemicals and waste. Waste includes materials to be recycled, recondi- tioned reconditioned or reclaimedre- claimed; (f) Settling, shrinking, bulging or expan- sion, including resultant cracking, of bulkheads, pavements, patios, foot- ings, foundations, walls, floors, roofs or ceilings;; or (g) Birds, vermin, rodents, insects or insects; or (h) Animals owned or kept by an "in- sured"domestic animals. (6) Unless the loss is otherwise excluded, we cover loss to property covered under Cov- erage A or B resulting from an accidental discharge or overflow of water or steam from within a: (i) Storm drain, or water, steam or sewer pipe, off the "residence premises"; or (ii) Plumbing, heating, air conditioning or automatic fire protective sprinkler sys- tem or household appliance on the "residence premises". This includes the cost to tear out and replace any part of a building, or other structure, on the "resi- dence premises", but only when neces- sary to repair the system or appliance. However, such tear out and replace- ment coverage only applies to other structures if the water or steam causes actual damage to a building on the "residence premises". Section I Exclusion A.3. Water Damage, Paragraphs a. and c. that apply to surface water and water below the surface of the ground do not apply to loss by water covered under c.(5) and (6) above. Under 2.b. and c. above, any ensuing loss to property described in Coverages A and B not precluded by any other provision in this policy is covered.

Coverage A – Dwelling And Coverage B – Other Structures. 1. We insure against risk of sudden and accidental 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, including any of the following conditions of property or any part of the property: (1) An abrupt falling down or caving in; (2) Loss of structural integrity, including separation of parts of the property or property in danger of falling down or caving in; or (3) Any cracking, bulging, sagging, bending, leaning, settling, shrinkage or expansion as such condition relates to (1) or (2) above; except as provided inin 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 ap- plianceappliance, or by discharge, leakage or overflow from within the system or ap- pliance appliance caused by freezing. This provi- sion 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; (3) Theft in or to a dwelling under construc- tionconstruction, or of materials and supplies for use in the construction until the dwelling is finished and occupied; (4) Vandalism and malicious mischief, and any ensuing loss caused by any inten- tional intentional and wrongful act committed in the course of the vandalism or malicious mischief, if the dwelling has been vacant for more than 60 consecutive days im- mediately immediately before the loss. A dwelling being constructed is not considered va- cantvacant; (5) Mold, fungus or wet rot. However, we do insure for loss caused by mold, fungus or wet rot that is hidden within the walls or ceilings or beneath the floors or above the ceilings of a structure if such loss results from the accidental dis- charge or overflow of water or steam from within: (a) A plumbing, heating, air conditioning or automatic fire protective sprinkler system, or a household appliance, on the "residence premises"; or (b) A storm drain, or water, steam or sewer pipes, off the "residence premises". (6) Any of the following: (a) Wear and tear, marring, deteriora- tiondeterioration; (b) Mechanical breakdown, latent de- fectdefect, inherent vice, or any quality in property that causes it to damage or destroy itself; (c) Smog, rust or other corrosion, or dry rot; (d) Smoke from agricultural smudging or industrial operations; (e) Discharge, dispersal, seepage, mi- gration, release Contamination or escape of pollut- ants unless the discharge, dispersal, seepage, migration, release or es- cape escape of pollutants unless the contamination or discharge, dispersal, seepage, migration, release or escape is itself caused by a Peril In- sured Insured Against named under Cover- age Coverage C. Pollutants means any solid, liquid, gaseous or thermal irritant or con- taminantcontaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemi- cals chemicals and waste. Waste includes materials to be recycled, recondi- tioned reconditioned or reclaimed; (f) Settling, shrinking, bulging or expan- sionexpansion, including resultant cracking, of bulkheads, pavements, patios, foot- ingsfootings, foundations, walls, floors, roofs or ceilings; (g) Birds, vermin, rodents, or insects; or; (h) Nesting or infestation, or discharge or release of waste products or secretions, by any animals; (i) Animals owned or kept by an "in- sured". (6) Unless the loss is otherwise excluded, we cover loss to property covered under Cov- erage A or B resulting from an accidental discharge or overflow of water or steam from within a: (i) Storm drain, or water, steam or sewer pipe, off the "residence premises"“insured”; or (iij) PlumbingGrowth of trees, heatingshrubs, air conditioning plants or automatic fire protective sprinkler sys- tem lawns, whether or household appliance on the "residence premises". This includes the cost to tear out and replace any part of a building, not such growth is above or other structure, on the "resi- dence premises", but only when neces- sary to repair the system or appliance. However, such tear out and replace- ment coverage only applies to other structures if the water or steam causes actual damage to a building on the "residence premises". Section I Exclusion A.3. Water Damage, Paragraphs a. and c. that apply to surface water and water below the surface of the ground do not apply to loss by water covered under c.(5) and (6) above. Under 2.b. and c. above, any ensuing loss to property described in Coverages A and B not precluded by any other provision in this policy is coveredground.