What is usually not covered by building insurance?

What is usually not covered by building insurance $1,200 to $1,800 per year for $500K building in Australia includes wear and tear, gradual deterioration, poor maintenance, mould, pest damage $5K to $10K, faulty workmanship $10K to $20K, intentional damage, war, nuclear, and flood in some policies unless optional extra 10% to 20% $100 to $200, with building insurance covering insured events fire, storm, hail, wind, theft, vandalism and accidental damage but not maintenance issues. Building insurance $1,200 to $1,800 per year for $500K building with $20M public liability covers insured events including fire $500K rebuild, storm $10K to $50K, hail $10K to $30K roof, wind $10K to $20K, theft $5K to $20K, vandalism $2K to $10K and accidental damage $1K to $5K, but usually not covered includes wear and tear like roof age 20+ years deteriorating $10K, gradual deterioration like rust $2K, poor maintenance like blocked gutters causing water damage $5K, mould $5K to $10K due to poor ventilation, pest damage like termites $10K to $50K and rats chewing wires $2K, faulty workmanship like builder defect $10K to $20K covered by builder warranty 6 years not building insurance, intentional damage by owner, war, nuclear, and flood $20K to $50K in some policies unless flood optional extra 10% to 20% $100 to $200, with flood defined as riverine flood versus storm water runoff covered. For example, roof leak due to 20-year-old tiles wear and tear $10K not covered, but roof damage due to storm hail $15K covered minus excess $500 = $14,500. So building insurance not covering wear and tear, gradual deterioration, poor maintenance, mould, pest $5K to $10K, faulty workmanship $10K to $20K, intentional damage, war, nuclear and flood unless optional extra $100 to $200, only covering insured events fire, storm, hail, theft and vandalism $10K to $500K.