The Average Policy Covers the Following Types of Losses:
- Fire & lighting
- Windstorm and hail
- Explosion
- Riot or civil commotion
- Aircraft
- Vehicles
- Smoke
- Vandalism
- Theft
- Breakage of glass
- Falling objects
- Weight of snow, ice or sleet
- Collapse
- Accidental discharge or overflow of water or steam
- Sudden and accidental damage of a steam hot water heating system, air conditioning system, or appliance for heating water
- Freezing of plumbing, heating, or air conditioning system
- Sudden or accidental damage from artificially generated electrical current
- All risk of direct physical loss that is not specifically excluded in the policy (inventory)
Additional Causes & Items Covered:
- Roof leaking
- Permanent carpet stains
- Flooring damage
- Cracked marble
- Tenant vandalism
- Accidental sprinkler discharge
- Inventory damage
- Acoustical ceiling tile stains
