What types of perils (causes of loss) are not covered?
Such perils include loss or damage caused by dishonest acts, unexplained disappearance, inventory shortage, wear and tear, mechanical breakdown, rust or corrosion, latent defect, settling or cracking of any part of a building, artificially generated electric currents which damage electrical devices (except electronic data processing systems), insects, birds animals, freezing (ensuing water damage may be covered), sewage backup, faulty workmanship, terrorism, cyber risks (computer viruses), mold, and asbestos.
