For an additional premium, the Perils Insured
Against applying to Coverage A are amended as follows:
Perils Insured Against
We insure against risk of direct loss to property
described in Coverage A, only if that loss is a physical loss
to property.
We do not insure, however, for loss:
1. Involving collapse, other than as provided
in Additional Coverages- Collapse.
2. Caused by:
a. Freezing of a plumbing, heating, air
conditioning or automatic fire protective sprinkler system or
of a household appliance, or by discharge, leakage or overflow
form within the system or appliance caused by freezing. This
exclusion applies only while the dwelling is vacant, unoccupied
or being constructed, unless you have used reasonable care to:
(1) Maintain heat in the building;
or
(2) Shut off the water supply and
drain the system and appliances of water;
b. Freezing, thawing, pressure or weight
of water or ice, whether driven by wind or not, to;
(1) Fence, pavement, patio or swimming
pool;
(2) Foundation, retaining wall,
or bulkhead; or
(3) Pier, wharf or dock;
c. Theft in or to a dwelling under construction,
or of materials and supplies for use in the construction until
the dwelling is finished and occupied;
d. Vandalism and malicious mischief if
the unit has been vacant for more than 30 consecutive days immediately
before the loss. A unit being constructed is not considered
vacant;
e. any of the following:
(1) Wear and tear, marring, deterioration;
(2) Inherent vice, latent defect, mechanical
breakdown;
(3) Smog, rust or other corrosion, mold,
wet or dry rot;
(4) Smoke from agricultural smudging
or industrial operations;
(5) Discharge, dispersal, seepage, migration,
release or escape or pollutants unless the discharge, dispersal,
seepage, migration, release or escape is itself caused by one
or more of the Peril Insured Against that would apply under
Coverage C of the policy.
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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;
(6) Settling, shrinking, bulging or expansion,
including resultant cracking, of pavements, patios, foundations,
walls, floors, roofs or ceilings;
(7) Birds, vermin, rodents,
or insects; or
(8) Animals owned or kept by an "insured."
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 building necessary
to repair the system or appliance. We do not cover loss to the
system or appliance from which this water escaped.
3. Excluded under SECTION I - EXCLUSIONS.
Under items 1. and 2., any ensuing
loss to property described in Coverage A not excluded or excepted
in this policy is covered.
The following exclusions are added to SECTION
I - EXCLUSIONS:
We do not insure for loss to property described
in Coverage A caused by any of the following. However, any ensuing
loss to property described in Coverage A not Excluded or excepted
in this policy is covered.
a. Weather conditions. However,
this exclusion only applies if weather conditions contribute
in any way with a cause or event excluded in SECTION I - EXCLUSIONS,
other than exclusions b., and c. below, to produce the loss;
b. Acts or decisions, including the
failure to act or decide, of any person, group, organization
or governmental body;
c. Faulty, inadequate or defective:
(1) Planning, zoning, development,
surveying, siting:
(2) Design, specifications,
workmanship, repair, construction, renovations, remodeling,
grading, compaction;
(3) Materials used in repair, construction,
renovation or remodeling; or
(4) Maintenance;
of part or all of any property
whether on or off the "residence premises."
All other provisions of the policy apply.
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