5.4 General Exclusions – TDP 1& 2 Copy

The following exclusions apply to loss to covered property:

Electrical- The policy does not cover loss to electrical devices or wiring caused by electricity other than lightning.

Flood – The policy does not cover loss caused by or resulting from flood, surface water, waves, overflow of streams or other bodies of water or spray from any of these whether or not driven by wind.

Governmental Action – The policy does not cover loss caused by the destruction of property by order of governmental authority. But the insurer covers loss caused by the acts of destruction ordered by governmental authority taken at policy.

War Damage – The insurer does not cover loss directly or indirectly from war.  This includes undeclared war, civil war, insurrection, rebellion, revolution, warlike act by military personnel, destruction or seizure or use for military purpose, and including any consequence of these. Discharge of a nuclear weapon will be deemed a warlike act even if accidental.

Nuclear Damage – The insurer does not cover loss resulting directly or indirectly from nuclear reaction, radiation or radioactive contamination, all whether controlled or uncontrolled or however caused. The insurer covers loss by fire resulting from nuclear reaction, radiation or radioactive contamination.

Building Laws – The insurer does not cover loss caused by or resulting from the enforcement of any ordinance or law regulating the construction, repair or demolition of a building or structure.

Coverage Provided

• The insured may use up to $5,000 (at no additional premium) for the increased costs that the insured incurs due to the enforcement of any ordinance or law.
• The insured may use all or part of this coverage to pay for the increased costs Incurred to remove debris resulting from the construction, repair or replacement of property.

Mold, Fungi, or Other Microbes – The insurer does not cover loss caused by or resulting from mold, fungi, or other microbes.

• This exclusion does not apply to an ensuing loss caused by fire, smoke, or explosion.
  However, the insurer does cover ensuing mold, fungi, or other microbial losses caused by or resulting from sudden and accidental discharge, leakage or overflow of water if the sudden and accidental discharge, leakage or overflow of water loss would otherwise be covered under the policy.