This Policy does not cover damage to the property insured caused by:
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Faulty or defective design, materials or workmanship, inherent vice, latent defect, gradual
deterioration, deformation or distortion or wear and tear.
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Interruption of the water supply gas electricity or fuel systems or failure of the effluent
disposal systems to and from the premises unless Damage by a cause not excluded in the
Policy ensues and then the Company shall be liable only for such ensuing Damage.
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Collapse or cracking of buildings.
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Corrosion, rust extremes or changes in temperature, dampness, dryness, wet or dry rot,
fungus, shrinkage, evaporation, loss of weight, pollution, contamination change in colour,
flavour, texture or finish, action of light, vermin, insects, marring or scratching unless
such loss is caused directly by Damage to the property insured or to premises containing
such property by a cause not excluded in the Policy.
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Larceny
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Acts of fraud or dishonesty.
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Disappearance, unexplained or inventory shortage, misfiling or misplacing of information,
shortage in supply or delivery of materials or shortage due to clerical or accounting error.
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Coastal or river erosion.
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Normal settlement or bedding down of new structures
Damage caused by or arising from
.
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Any willful act or willful negligence on the part of the Insured or any person acting on his
behalf
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Cessation of work delay or loss of market or any other consequential or indirect loss of any
kind or description whatsoever
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Damage occasioned directly or indirectly by or through or in consequence of any of the
following occurrences, namely:
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War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be
declared or not), civil war.
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Mutiny, civil commotion assuming the proportions of or amounting to a popular rising,
military rising, insurrection, rebellion, revolution, military or usurped power
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Permanent or temporary dispossession resulting from nationalization commandeering or
requisition by any lawfully constituted authority
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Permanent or temporary dispossession of any building resulting from the unlawful occupation
of such building by any person provided that the Company is not relieved of any liability to
the Insured in respect of Damage to the property insured occurring before dispossession or
during temporary dispossession which is otherwise insured by this Policy
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The destruction of property by order of any public authority
In any action, suit or other proceeding where the Company alleges that by reason of the
provisions of Exclusions A3) a) and b) above any loss destruction or damage is not covered
by this insurance the burden of proving that such loss destruction or damage is covered
shall be upon the Insured.
Damage directly or indirectly caused by or arising from or in consequence of or contributed
to by:
Nuclear weapons material
Ionizing radiations or contamination by radioactivity from any nuclear fuel or from any
nuclear waste from the combustion of nuclear fuel. Solely for the purpose of this Exclusion
Combustion shall include any self-sustaining process of nuclear fission.