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. The insurer will not pay for loss caused by wear and tear, freezing, mechanical or electrical breakdown.
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, the exclusion applies only to loss due and confined to wear and tear, freezing, mechanical or electrical breakdown, and not to any other damage that results.
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.
Exclusion three is the wear and tear exclusion
. The insurer will not pay for loss caused by wear and tear, freezing, mechanical or electrical breakdown; also excluded are losses caused by blowouts, punctures, or other road damage to tires.
* The existing wear and tear exclusion
has been modified to eliminate reference to fungus.
(1.) 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.
If the ceiling collapse is covered by that section, or if the language is ambiguous with respect to coverage, then the general Faulty Construction and Wear and Tear Exclusions