limited hidden water or steam seepage or leakage coverage

LIMITED HIDDEN WATER OR STEAM SEEPAGE OR LEAKAGE COVERAGE TV

Constant or repeated seepage or leakage of water or steam over a period of time from within a plumbing, heating, air conditioning, or automatic fire protective sprinkler system, or household appliance - these systems and appliances do NOT include sumps, sump pumps, mold, fungus, or wet rot unless resulting from accidental discharge or overflow of water or steam and is hidden from view.Vandalism and malicious mischief, theft or attempted theft, and any ensuing loss if the dwelling has been vacant for more than 60 consecutive days immediately before a loss.

LIMITED HIDDEN WATER OR STEAM SEEPAGE OR LEAKAGE COVERAGE TV

Wind, hail, ice, snow, or sleet to outdoor radio and TV antennas and aerials, trees, shrubs, plants, and lawns.Theft in or to a dwelling or structure under construction.Theft of property not part of a covered building or structure.Freezing, thawing, or weight of water or ice on patios, fences, swimming pools, foundations, piers, docks, retaining walls, etc.Collapse, except for coverage provided by Other Coverages.In addition to the policy's General Exclusions, the DP-3 specifically excludes the following losses under Coverages A and B: NOT COVERED is smoke damage from industrial operations.Ĭovers the building on an open peril basis- meaning- Coverage is provided for all causes of loss except for those perils specifically excluded. Losses to the dwelling and other structures are paid on a replacement cost basis, and losses to personal property are paid on an actual cash value basis The Smoke peril does not include loss caused by smoke from agricultural smudging or industrial operations. The Vehicle peril does not include loss to a fence, driveway, or walkway caused by a vehicle owned or operated by the insured. The Damage by Burglars peril includes damage to the covered property caused by the burglar, but not theft of property. Sudden and accidental damage from artificially generated electrical current - This peril is caused by man-made electricity or power surge and does NOT apply to damage to tubes, transistors, electronic components, or circuitry contained in appliances, fixtures, computers, etc.Applies only if the insured used reasonable care to maintain heat in the building OR shut off the water supply and drained all systems of water. Freezing - Must occur to a plumbing, heating, air conditioning, or automatic fire protective sprinkler system, or household appliance.Sudden and accidental tearing apart, cracking, burning, or bulging - Must occur to a steam or hot water heating system, air conditioning system, or automatic fire protective system, or household appliance.This doesn't apply to constant or repeated seepage or leakage over a period of time or if the dwelling was vacant 60 or more consecutive days immediately before a loss. Accidental discharge or overflow of water or steam - Must occur from within a plumbing, heating, air conditioning, or automatic fire protective sprinkler system, or household appliance.Weight of ice, snow, or sleet - This doesn't apply to awnings, patios, pavements, pools, etc.Falling objects - Damage to the exterior of the building must take place for coverage to apply to contents inside the building.Damage by Burglars - This does not include theft coverage nor does it apply if the dwelling was vacant 60 or more consecutive days immediately before a loss.The perils insured against are the DP-1 perils, the EC perils, VMM and the following:

Limited hidden water or steam seepage or leakage coverage