Category: Uncategorized

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CONDITIONS

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1.  Certificate Period. This Certificate applies only to loss which occurs during the  
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 Certificate period.

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GENERAL EXCLUSIONS

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2. We do not insure for loss to property described in Coverages A and B caused by any of the  

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    following However, any ensuing loss to property described in Coverages A and B not excluded   

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    or excepted in this Certificate is covered.

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c. Faulty, inadequate or defective;

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    (1) Planning, zoning, development, surveying, siting;

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    (2) Design, specifications, workmanship, repair, construction, renovation, remodeling, grading,

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         compaction;

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   (3) Materials used in repair, construction, renovation or remodeling; or

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   (4) Maintenance; of part or all of any property whether on or off the described location.

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GENERAL EXCLUSIONS

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1. We do not insure for loss caused directly or indirectly by any of the following. Such loss is    

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    excluded regardless of any other cause or event contributing concurrently or in any sequence   

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    to the loss. These exclusions apply whether or not the loss event results in widespread damage

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    or affects a substantial area.

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c. Water Damage, meaning:

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    (1) Flood, surface water, waves, tidal water, overflow of a body of water, or spray from any of

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          these, whether or not driven by wind;

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    (2) Water or water-borne material which backs up through sewers or drains or which

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          overflows from a sump, sump pump or related equipment; or

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     (3) Water or water-borne material below the surface of the ground, including water which

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           exerts pressure on or seeps or leaks through a residential property, sidewalk, driveway,

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           foundation, swimming pool or other structure;  

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Caused by or resulting from human or animal forces or any act of nature. Direct loss by fire or explosion resulting from water damage is covered.

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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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• 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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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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General Exclusion 1.c.  Water Damage, Paragraphs (1) and (3) that apply to surface water and water below the surface of ground do not apply to loss by water covered under 3.f.above.

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Under items 1. and 2., any ensuing loss to property described in Coverages A and B not excluded or excepted in this Certificate is covered.

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GENERAL EXCLUSIONS

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2. We do not insure for loss to property described in Coverages A and B caused by any of the 

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    following However, any ensuing loss to property described in Coverages A and B not excluded  

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    or excepted in this Certificate is covered.

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c. Faulty, inadequate or defective;

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    (1) Planning, zoning, development, surveying, siting;

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    (2) Design, specifications, workmanship, repair, construction, renovation, remodeling, grading,

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         compaction;

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   (3) Materials used in repair, construction, renovation or remodeling; or

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   (4) Maintenance; of part or all of any property whether on or off the described location.

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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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COVERAGES

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This insurance applies to the described location, coverages for which a Limit of Liability is shown and Perils Insured Against for which a premium is stated.

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COVERAGE A – Dwelling

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1. Property Covered
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We cover

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1. The 1-4 family dwelling on the described location shown in the Declarations, used 
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          principally for dwelling purposes, including structures attached to the dwelling;

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• Materials and supplies located on or next to the described location used to construct, 
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          alter or repair the dwelling or other structures on the described location; and

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• If not otherwise covered in this Certificate, building equipment and outdoor equipment
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          used for the service of and located on the described location.

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• Property Not Covered
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• Personal property of any kind.
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• Outdoor trees, shrubs, plants and lawns.
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• Outdoor swimming pools; fences, piers, wharves and docks; beach or diving platforms or appurtenances; retaining walls not constituting a part of buildings; walks, roadway; and other paved surfaces.
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• Cost of excavations, grading or filling.
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• Foundations of buildings, machinery, boilers or engines which foundations are below the surface of the ground.
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• Pilings, piers, pipes, flues and drains which are underground.
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MIP Perils Insured Against & Loss Not Covered

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Full Section

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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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2. Involving collapse, other than as provided in Other Coverages 5;
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3. Caused by:
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4. Freezing, thawing, pressure or weight of water or ice, whether driven by wind or not, to a
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5. Fence, pavement, patio or swimming pool;
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6. Footing, foundation, bulkhead, wall, or any other structure or device that supports all or part of a building or other structure;
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7. Retaining wall or bulkhead that does not support all or part of a building or other structure; or
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8. Pier, wharf or dock;
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9. Theft of property not part of a covered residential property or structure;
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10. Theft in or to a dwelling or structure under construction;
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11. Wind, hail, ice, snow or sleet to:
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12. Outdoor radio and television antennas and aerials including their lead-in wiring, masts or towers; or
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13. Trees, shrubs, plants or lawns;
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14. 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 sprinkler system or from within a household appliance;
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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;

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• Any of the following:
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• Wear and tear, marring, deterioration;
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• Inherent vice, latent defect, mechanical breakdown;
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• 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 mycotoxins, spores, scents or by-products produced or released by fungi;

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• Smoke from agricultural smudging or industrial operations;
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• 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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• Settling, shrinking, bulging or expansion, including resultant cracking, of pavements, patios, foundations, walls, floors, roofs or ceilings; or
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• 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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General Exclusion 1.c.  Water Damage, Paragraphs (1) and (3) that apply to surface water and water below the surface of ground do not apply to loss by water covered under 3.f.above.

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Under items 1. and 2., any ensuing loss to property described in Coverages A and B not excluded or excepted in this Certificate is covered.

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CONDITIONS

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1. Certificate Period. This Certificate applies only to loss which occurs during the Certificate period.
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2. Insurable Interest.  Even if more than one person has an insurable interest in the property covered,  we will not be liable in any one loss:
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3. For an amount greater than the interest of a person insured under this Certificate; or
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4. For more than the applicable Limit of Liability as shown in the Declarations.
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If the described location is vacant and the mortgage on the property has been declared in default by the mortgagee at the time of a loss, we shall pay no more than the named insured’s interest in the property at the time of loss unless the borrower participates in the claim.

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The named insured’s interest is represented by the borrower’s net loan balance.

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• Concealment or Fraud. We provide coverage to no persons insured under this Certificate if, whether before or after a loss, one or more persons insured under this Certificate have:
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• Intentionally concealed or misrepresented any material fact or circumstance
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• Engaged in fraudulent conduct; or
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• Made false statements;
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• relating to this insurance.
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• Your Duties After Loss. In case of a loss to covered property, you must see that the following are done:
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• Give prompt notice to us or our agent;
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• (1)   Protect the property from further damage;
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• Make reasonable and necessary repairs to protect the property; and
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• Keep an accurate record of repair expenses;
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c.     Cooperate with us or our representative in the investigation of a claim;

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d.    As often as we reasonably require:

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• Show the damaged property;
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• Provide us with records and documents we request and permit us to make copies; and
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• Submit to examination under oath, while not in the presence of any other named insured, and sign the same;
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e.     Send to us, within 60 days after our request, your signed, sworn proof of loss which sets forth, to the best of your knowledge and belief:

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• The time and cause of loss;
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• Your interest and that of all others in the property involved and all liens on the property;
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• Other insurance which may cover the loss;
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• Changes in title or occupancy of the property during the term of the Certificate;
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• Specifications of damaged residential property and detailed repair estimates.
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Voicemail Received

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Caller Name: JAQUALIA SMITH

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Caller Phone: (412)475-7411

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Caller Role: Borrower

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Summary of Voicemail Received
Borrower Inq a Claim Status Update

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—————–
Status Update

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Pending:

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-Repair Estimate
-Closing Report
-Settle Contact
-Explanation of Benefits
-Close Claim

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Inside Staff Adjuster will follow up on 04/08/2025.

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