Ordinance or Law:
Means losses from legal stuff relating to construction, repair, or any tearing down or debris removal.
Earth Movement:
Refers to damages/losses from things like landslides, mudslides, sinkholes, earthquakes (there’s a separate policy for this if you want), and any other earth movement including earth sinking, rising or shifting.
Water:
We’re talking flooding from the outside-in: natural stuff like groundwater, tidal water, tsunamis, etc. as well as flooding caused by sewer blockages or broken sump pumps.
Caveat? For the natural stuff, you have flood insurance. Look into it when you’re getting a policy.
Power Failure:
This one’s pretty specific… if a power failure causes loss to stuff that isn’t on your property (even if it was a result of a named peril), it’s not covered.
Neglect and Intentional Loss:
Like most things that aren’t covered in your insurance policy, neglect and intentional loss fall under the category of stuff you can prevent. Once a loss happens, if you don’t do everything in your power to make things right, then it’ll be considered neglect – if you did it on purpose, it’s intentional loss.
War and Nuclear Hazard:
Quite simply, losses from war and nuclear hazard are excluded from your coverage.
Governmental Action:
This exclusion deals with good ‘ole Uncle Sam… if for some reason the government decides to do something that causes a loss, it’ll be excluded from your insurance coverage, unless the governmental action happened because of a named peril.
Note: in terms of personal liability, most of the exclusions have to do with vehicles and other things with engines if you’re the one in control/driving.
