Common use of EXCLUDED CAUSES OF LOSS Clause in Contracts

EXCLUDED CAUSES OF LOSS. 1. Loss or damage, including the cost of improving, correcting or making repairs to covered property when the loss or damage results from defective design or specifications, or from faulty material, workmanship, or maintenance. 2. Loss or damage caused by or resulting from hidden defects, ordinary wear and tear, gradual deterioration, inherent defects or loss or damage caused by vermin or insects unless loss or damage by a specified peril follows and then this coverage part shall cover only those ensuing losses or damages. 3. Loss or damage caused by or resulting from settling, subsidence, cracking, shrinking, bulging or expansion of pavements, roadways, sidewalks, patios, foundations, walls, roofs, floors and ceilings. This exclusion does not apply to loss or damage resulting from collapse of a building, structure or material part thereof if such collapse is caused by the weight of accumulated snow or ice or results from a covered loss, but this exception does not apply to costs, loss or damage for improving on or correcting defects in materials, workmanship or faulty design. The word “collapse” as used herein means the caving in or falling inward or outward of the building or structure or material part thereof. 4. Loss of use, damage or deterioration due to delay or to legal proceedings. 5. Loss or damage to electrical appliances (except computers, related equipment, and media devices), fixtures or wiring, caused by or resulting from artificially generated current, unless fire or other specified peril ensues and then only for the actual loss or damage caused by fire or other ensuing specified peril or losses covered by supplemental equipment breakdown policies purchased from a commercial insurance carrier. 6. Loss resulting from the inability to replace or reconstruct valuable papers and records; loss to electronic data processing media due to electrical or magnetic injury the cause of which originated 100 feet or more from the covered location, except if caused by lightning; loss directly resulting from errors or omissions in processing or copying media unless fire or explosion follows and then only for direct loss caused by such ensuing fire or explosion; loss caused by a computer virus in any of its forms. 7. Loss or damage from mechanical breakdown unless loss or damage from a specified peril covered herein ensues or such loss is covered by supplemental equipment breakdown policies purchased from a commercial insurance carrier, and then this coverage shall cover only the ensuing loss or damage. 8. Loss or damage from explosion, rupture or bursting of high pressure steam boilers, steam pipes, steam turbines or steam engines owned or operated by the covered entity unless loss or damage from a specified peril covered herein follows or such loss is covered by applicable policies purchased from a commercial insurance carrier and then this coverage shall apply only to those ensuing losses or damages. 9. Loss or damage caused by or resulting from any of the following: a. smog, dampness or dryness of atmosphere; b. extremes or changes in temperature (whether atmospheric or other) except damage to fire protective equipment caused by freezing; c. smoke or smudge from industrial or agricultural operations; d. shrinkage, evaporation, loss of weight, rust, corrosion, erosion, or depletion; or e. heat or cold, change in color, texture or finish. 10. With respect to computers and related equipment and media, loss or damage caused by error in machine programming or machine installation or operating instructions. 11. Loss or damage caused by or resulting from earth movement or volcanic eruption. Earth movement includes, but is not limited to, earthquake, landslide, or earth rising, sinking or shifting. 12. Loss or damage caused by or resulting from flood, including the action of surface water, waves, tides, tidal waves, overflow of a body of water, or mudslide or mudflow. 13. Loss or damage caused by or resulting from continuous or repeated seepage or leakage of water that occurs over a period of 14 days or more. 14. Loss or water damage caused by or resulting from freezing, unless: a. You do your best to maintain heat in the building; or b. You drain the system and turn off the water supply if the heat is not maintained 15. Loss, damage, or expense resulting from the relocation of any tenant, whether incurred by the tenant or the covered entity.

EXCLUDED CAUSES OF LOSS. 1. Loss or damage, including the cost of improving, correcting or making repairs to covered property when the loss or damage results from defective design or specifications, or from faulty material, workmanship, or maintenance. 2. Loss or damage caused by or resulting from hidden defects, ordinary wear and tear, gradual deterioration, inherent defects or loss or damage caused by vermin or insects unless loss or damage by a specified peril follows and then this coverage part shall cover only those ensuing losses or damages. 3. Loss or damage caused by or resulting from settling, subsidence, cracking, shrinking, bulging or expansion of pavements, roadways, sidewalks, patios, foundations, walls, roofs, floors and ceilings. This exclusion does not apply to loss or damage resulting from collapse of a building, structure or material part thereof if such collapse is caused by the weight of accumulated snow or ice or results from a covered loss, but this exception does not apply to costs, loss or damage for improving on or correcting defects in materials, workmanship or faulty design. The word “collapse” as used herein means the caving in or falling inward or outward of the building or structure or material part thereof. 4. Loss of use, damage damage, or deterioration due to delay or to legal proceedings. 5. Loss or damage to electrical appliances (except computers, related equipment, and media devices), fixtures or wiring, caused by or resulting from artificially generated current, unless fire or other specified peril ensues and then only for the actual loss or damage caused by fire or other ensuing specified peril or losses covered by supplemental equipment breakdown policies purchased from a commercial insurance carrier. 6. Loss resulting from the inability to replace or reconstruct valuable papers and records; loss to electronic data processing media due to electrical or magnetic injury the cause of which originated 100 feet or more from the covered location, except if caused by lightning; loss directly resulting from errors or omissions in processing or copying media unless fire or explosion follows and then only for direct loss caused by such ensuing fire or explosion; loss caused by a computer virus in any of its forms. 7. Loss or damage from mechanical breakdown unless loss or damage from a specified peril covered herein ensues or such loss is covered by supplemental equipment breakdown policies purchased from a commercial insurance carrier, and then this coverage shall cover only the ensuing loss or damage. 8. Loss or damage from explosion, rupture or bursting of high pressure steam boilers, steam pipes, steam turbines or steam engines owned or operated by the covered entity unless loss or damage from a specified peril covered herein follows or such loss is covered by applicable policies purchased from a commercial insurance carrier and then this coverage shall apply only to those ensuing losses or damages. 9. Loss or damage caused by or resulting from any of the following: a. smog, dampness or dryness of atmosphere; b. extremes or changes in temperature (whether atmospheric atmo- spheric or other) except damage to fire protective equipment caused by freezing; c. smoke or smudge from industrial or agricultural operationsop- erations; d. shrinkage, evaporation, loss of weight, rust, corrosion, erosion, or depletion; or e. heat or cold, change in color, texture or finish. 10. With respect to computers and related equipment and media, loss or damage caused by error in machine programming or machine installation or operating instructions. 11. Loss or damage caused by or resulting from earth movement or volcanic eruption. Earth movement includes, but is not limited to, earthquake, landslide, or earth rising, sinking or shifting. 12. Loss or damage caused by or resulting from flood, including the action of surface water, waves, tides, tidal waves, overflow of a body of water, or mudslide or mudflow. 13. Loss or damage caused by or resulting from continuous or repeated seepage or leakage of water that occurs over a period of 14 days or more. 14. Loss or water damage caused by or resulting from freezing, unless: a. You do your best to maintain heat in the building; or b. You drain the system and turn off the water supply if the heat is not maintained 15. Loss, damage, or expense resulting from the relocation of any tenant, whether incurred by the tenant or the covered entity.

EXCLUDED CAUSES OF LOSS. 1. Loss or damage, including the cost of improving, correcting or making repairs to covered property when the loss or damage results from defective design or specifications, or from faulty material, workmanship, or maintenance. 2. Loss or damage caused by or resulting from hidden defects, ordinary wear and tear, gradual deterioration, inherent defects or loss or damage caused by vermin or insects unless loss or damage by a specified peril follows and then this coverage part shall cover only those ensuing losses or damages. 3. Loss or damage caused by or resulting from settling, subsidence, cracking, shrinking, bulging or expansion of pavements, roadways, sidewalks, patios, foundations, walls, roofs, floors and ceilings. This exclusion does not apply to loss or damage resulting from collapse of a building, structure or material part thereof if such collapse is caused by the weight of accumulated snow or ice or results from a covered loss, but this exception does not apply to costs, loss or damage for improving on or correcting defects in materials, workmanship or faulty design. The word “collapse” as used herein means the caving in or falling inward or outward of the building or structure or material part thereof. 4. Loss of use, damage damage, or deterioration due to delay or to legal proceedings. 5. Loss or damage to electrical appliances (except computers, related equipment, and media devices), fixtures or wiring, caused by or resulting from artificially generated current, unless fire or other specified peril ensues and then only for the actual loss or damage caused by fire or other ensuing specified peril or losses covered by supplemental equipment breakdown policies purchased from a commercial insurance carrier. 6. Loss resulting from the inability to replace or reconstruct valuable papers and records; loss to electronic data processing media due to electrical or magnetic injury the cause of which originated 100 feet or more from the covered location, except if caused by lightning; loss directly resulting from errors or omissions in processing or copying media unless fire or explosion follows and then only for direct loss caused by such ensuing fire or explosion; loss caused by a computer virus in any of its forms. 7. Loss or damage from mechanical breakdown unless loss or damage from a specified peril covered herein ensues or such loss is covered by supplemental equipment breakdown policies purchased from a commercial insurance carrier, and then this coverage shall cover only the ensuing loss or damage. 8. Loss or damage from explosion, rupture or bursting of high pressure steam boilers, steam pipes, steam turbines or steam engines owned or operated by the covered entity unless loss or damage from a specified peril covered herein follows or such loss is covered by applicable policies purchased from a commercial insurance carrier and then this coverage shall apply only to those ensuing losses or damages. 9. Loss or damage caused by or resulting from any of the following: a. smog, dampness or dryness of atmosphere; b. extremes or changes in temperature (whether atmospheric atmo- spheric or other) except damage to fire protective equipment caused by freezing; c. smoke or smudge from industrial or agricultural operationsop-erations; d. shrinkage, evaporation, loss of weight, rust, corrosion, erosion, or depletion; or e. heat or cold, change in color, texture or finish. 10. With respect to computers and related equipment and media, loss or damage caused by error in machine programming or machine installation or operating instructions. 11. Loss or damage caused by or resulting from earth movement or volcanic eruption. Earth movement includes, but is not limited to, earthquake, landslide, or earth rising, sinking or shifting. 12. Loss or damage caused by or resulting from flood, including the action of surface water, waves, tides, tidal waves, overflow of a body of water, or mudslide or mudflow. 13. Loss or damage caused by or resulting from continuous or repeated seepage or leakage of water that occurs over a period of 14 days or more. 14. Loss or water damage caused by or resulting from freezing, unless: a. You do your best to maintain heat in the building; or b. You drain the system and turn off the water supply if the heat is not maintained 15. Loss, damage, or expense resulting from the relocation of any tenant, whether incurred by the tenant or the covered entity.