(January 2021)

PERILS INSURED AGAINST

A. Coverage A - Dwelling and Coverage B - Other Structures

1. The DP 00 03– Dwelling Property 3 - Special Form provides protection for dwelling and other structures against the possibility of direct losses.

2. There is no coverage for:

2c(6). Vandalism, malicious mischief, theft, and attempted theft but only if the dwelling is vacant for more than 60 days before such losses (again note that dwellings under construction are not considered vacant).

2c(7). Continuous or a pattern of seepage or leaking water or steam:

The discharge must come from a covered dwelling’s household appliances or plumbing, heating, air conditioning or fire sprinkler system to be excluded.

2c(8). Loss caused by any of the following:

·         Wear, tear, marring, or deterioration

·         Inherent vice, latent defect, or mechanical breakdown

·         Smog, corrosion, mold, or rot (wet or dry)

·         Smoke caused by agricultural or industrial operations

·         Pollution (of any type or source)

·         Foundations, retaining walls, pavement, floors, roofs, or ceilings which have shrunk, expanded, cracked, settled, or bulged

·         Birds, domestic animals, rodents, or insects