Wear and Tear Exclusion

Wear and Tear Exclusion

In insurance, a category prohibiting payment on claims for normal wear and tear, which is the degrading of the quality of an item that is expected over time. Because this decline in value is inevitable, insurers will not pay for these losses.
References in periodicals archive ?
The wear and tear exclusion applies to damage to a car that occurs from use and usually occurs over time as the car ages; the normal result of using the car.
Describe the proper application of the wear and tear exclusion, the mechanical breakdown exclusion, and the concurrent causation exclusions
The initial reaction may be to deny the claim based on the wear and tear exclusion since the damage was caused by the wear and tear on the pipe.
The third exclusion is the wear and tear exclusion.
Note that the March 2010 edition of the BAP has borrowed language from the current personal auto policy with the wear and tear exclusion now stating that the insurer will not pay for "loss due and confined to .
In other words, if a thief steals a covered auto and causes damage to the car by running over rough dirt roads or by driving the car after all the coolant has drained out, allowing the engine to freeze up, this wear and tear exclusion will not prevent coverage for the loss to the covered auto.
Applying the wear and tear exclusion can be confusing.
The purpose of the wear and tear exclusion (sometimes referred to as the maintenance exclusion) is to avoid payment for things that the insured should maintain as a matter of course.
Sulfuric acid and the commercial property policy's rust or wear and tear exclusion is the subject.
The insured submitted a claim and the insurer denied coverage, citing the wear and tear exclusion and the mechanical or electrical exclusion.
The wear and tear exclusion in the Farmers policy, like most wear and tear exclusions, has an exception to the exclusion that provides coverage for losses due to cracking, shrinking, and the like if any of these cause a "sudden and accidental" release of water from the home's plumbing and mechanical systems, but only to the extent of covering the "loss caused by water" and repairing the damaged plumbing or mechanical system.