What does buildings insurance not cover?

What buildings insurance does not cover in Australia includes wear and tear, gradual deterioration, rust, mould, subsidence, flood if excluded, unoccupied over 60 to 90 days, business use and faulty workmanship, according to PDS from NRMA, Allianz, Budget Direct. Buildings insurance $1,200 to $1,800 per year for $500K building covers fire, storm, flood if included, theft and accidental damage, but does not cover wear and tear and gradual deterioration like ageing roof leaking due to age $10K repair, as insurance covers sudden events not maintenance. Does not cover subsidence, settlement, landslip and earth movement, so underpinning $20K to $50K not covered unless caused by insured event like earthquake. Does not cover flood if flood cover not included or excluded in high-risk flood zone, requiring flood optional extra 10% to 20%. Does not cover actions of sea and tsunami if flood excluded. Does not cover intentional damage by you. Does not cover unoccupied over 60 to 90 days, with theft and water damage excluded if empty without notification. Does not cover business use, with home business stock not covered. Does not cover insects, vermin, faulty workmanship and manufacturing defect. Does not cover war and nuclear. So buildings insurance does not cover wear and tear, subsidence, flood if excluded, unoccupied over 60 days, business use and gradual damage, check PDS for exclusions, with maintenance your responsibility.