MIP Wear & Tear

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the reported damages are the result of normal wear and tear, occurring over an extended period of time.

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PERILS INSURED AGAINST

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COVERAGE A – DWELLING and

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COVERAGE B – OTHER STRUCTURES

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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:

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1. Excluded under General Exclusions;
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3.     Caused by:

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        f.   Any of the following:

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(1)Wear and tear, marring, deterioration;

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(2)Inherent vice, latent defect, mechanical breakdown;

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(3)Smog, rust or other corrosion, fungi, mold, wet or dry rot.

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                   Fungi means any type or form of fungus, including mold or mildew, and any

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                   mycotoxins, spores, scents or by-products produced or released by fungi;

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(4)Smoke from agricultural smudging or industrial operations;

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(5)Discharge, dispersal, seepage, migration release or escape of pollutants.

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     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;

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(6)Settling, shrinking, bulging or expansion, including resultant cracking, of pavements, patios, foundations, walls, floors, roofs or ceilings; or

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(7)Birds, vermin, rodents, insects or domestic animals.

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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.

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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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