Standard homeowners insurance policies universally exclude several specific categories of loss and damage. Three primary examples include damage caused by floods or rising surface groundwater (which requires a separate flood insurance policy), earthquakes and earth movement or settling, and damage resulting from chronic wear-and-tear, poor maintenance, or pest infestations (such as termite destruction, rotting wood, or aging pipe corrosion). Insurance is strictly designed for sudden, unexpected accidents, not gradual deterioration. Verification: Review your specific policy exclusions or consult your insurance agent to clarify coverage limits.
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