While standard comprehensive insurance and government-backed natural hazard schemes cover a wide array of destructive events, certain natural phenomena are notoriously difficult to insure or are explicitly excluded under standard policy wordings. For instance, gradual damage caused by subterranean settling, soil subsidence, coastal erosion, and rising sea levels over time are typically excluded because they represent continuous wear and tear rather than sudden accidental events. Furthermore, damage resulting from acts of war, nuclear contamination, or intentional government destruction are universally excluded from standard property policies.
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