LOSSES NOT INSURED Sample Clauses
The "Losses Not Insured" clause defines which types of losses are explicitly excluded from insurance coverage under the policy. Typically, this clause lists specific scenarios or categories of loss—such as wear and tear, intentional damage, or losses resulting from illegal activities—that the insurer will not cover. By clearly outlining these exclusions, the clause helps manage expectations and prevents disputes by ensuring both parties understand the boundaries of the insurer’s liability.
LOSSES NOT INSURED. 1. We will not pay for any loss to the property described in Coverage A and Coverage D that is caused by one or more of the items below, regardless of whether the loss occurs abruptly or gradually, involves isolated or widespread damage, arises from natural or external forces, or occurs as a result of any combination of these:
a. collapse, except as specifically provided in SEC- TION I – ADDITIONAL COVERAGES, Collapse;
b. freezing of a plumbing, heating, air conditioning, or automatic fire protective sprinkler system or of a household appliance; or discharge, leakage, or overflow from within the system or appliance caused by freezing. This does not apply if you have used reasonable care to:
(1) maintain heat in the building structure at 55 degrees Fahrenheit or higher; or
(2) shut off the water supply and drain the sys- tem and appliances of water. However, if the building structure is protected by an automatic fire protective sprinkler system, you must use reasonable care to continue the water supply and maintain heat in the building structure at 55 degrees Fahrenheit or higher for coverage to apply;
c. freezing, thawing, pressure, or weight of water, ice, snow, or sleet, whether driven by wind or not, to:
(1) a swimming pool, hot tub, or spa, including their covers, filtration, and circulation sys- tems; or
(2) an awning, fence, pavement, patio, founda- tion (including slabs, basement walls, crawl space walls, and footings), retaining wall, bulkhead, pier, wharf, or dock;
d. theft in or to a dwelling under construction, or of materials and supplies for use in the construction, until the dwelling is completed and occupied;
e. theft, vandalism, malicious mischief, or break- age of glass and safety glazing materials if the dwelling is a vacant dwelling;
f. wear, tear, decay, marring, scratching, deterio- ration, inherent vice, latent defect, or mechani- cal breakdown;
g. corrosion, electrolysis, or rust;
h. wet or dry rot;
i. contamination or pollution, meaning the pres- ence, discharge, dispersal, seepage, migration, release, or escape of contaminants or pollutants at or from any source. This does not apply if the presence, discharge, dispersal, seepage, migra- tion, release, or escape is itself caused by a peril described in SECTION I – LOSSES INSURED, COVERAGE B – PERSONAL PROPERTY.
(1) Contaminants and pollutants include but are not limited to any:
(a) solid, liquid, gaseous, or thermal irritant, including smoke from agricultural smudging or industrial ...
LOSSES NOT INSURED. 1. We will not pay for, under any part of this policy, any loss that would not have occurred in the absence of one or more of the following excluded events. We will not pay for such loss regardless of: (a) the cause of the excluded event; or (b) other causes of the loss; or
LOSSES NOT INSURED. 1. We will not pay for any loss to the property de- scribed in Coverage A that consists of, or is directly and immediately caused by, one or more of the per- ils listed in items a. through m. below, regardless of whether the loss occurs abruptly or gradually, in- volves isolated or widespread damage, arises from natural or external forces, or occurs as a result of any combination of these:
a. collapse, except as specifically provided in SECTION I – ADDITIONAL COVERAGES, Collapse;
b. freezing of a plumbing, heating, air conditioning, or automatic fire protective sprinkler system or of a household appliance; or discharge, leak- age, or overflow from within the system or ap- pliance caused by freezing. This does not apply if you have used reasonable care to:
(1) maintain heat in the building structure at 55 degrees Fahrenheit or higher; or
(2) shut off the water supply and drain the system and appliances of water. However, if the building structure is protected by an automatic fire protective sprinkler sys- tem, you must use reasonable care to continue the water supply and maintain heat in the