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So basically they only insure against a stranger damaging it, and fire.
But if your house catches on fire they'll deny the claim because those charred rafters were actually damaged by the water from the fire hose.
Hrm, this list seems a lot shorter than the one in the OP. It'd sure be nicer if they had just said your version...
It’s a contract. You can be sure they’re going to list just about everything.
Security through obscurity!
and tornado
Wind and rain damage is excluded
Not excluded if resulting from a tornado, line item 20.
Good catch
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