Explaining Exclusions

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Exclusions

An exclusion is a policy provision that eliminates coverage for some type of risk.

Common Exclusions in nearly all property policies include

• Earthquakes
• Flooding
• War
• Nuclear Hazards
• Intentional Acts
• Easy to Control I.E-damage to personal property left in the open from rain, snow, ice or sleet
• Maintenance Issues/Wear and Tear
• Illegal Acts
• Covered elsewhere in the policy

An example of this would be as follows:

• Christian has a standard HO-3 policy, Hurricane Steve hits Central Florida causing floods in areas that are non-flood zones. Christian has flood damage to his home that affects the flooring and drywall throughout a few rooms. However, because Christian’s policy has a flood exclusion, the flood-related damage to his home would not be covered under the policy.