General Dwelling Protector policy - SGI Canada

l) loss or damage not due to a sudden, unexpected event.m) loss or damage caused by a nuclear incident as defined in the NuclearLiability Act. Nor do we cover nuclear explosion or contamination byradioactive material.n) loss or damage caused by war, invasion, act of a foreign enemy,declared or undeclared hostilities, civil war, rebellion, revolution,insurrection, or military power.o) loss or damage caused by criminal or wilful acts done by you or byany person whose property is insured under this policy, including actsdone for you by someone else.p) loss or damage caused by acts you deliberately did or acts you failedto do.q) dwellings, outbuildings or belongings contained therein that havebeen placarded or condemned by any authority.r) loss or damage to dwellings, outbuildings or belongings containedtherein, while being moved, while being raised or lowered onto itsfoundation.s) mobile homest) loss or damage resulting from a change in ownership of property thatis agreed to, even if that change was brought about by trickery orfraud.u) loss or damage resulting from contamination or pollution or therelease, discharge or dispersal of contaminants or pollutants.v) loss or damage caused directly or indirectly, in whole or in part, byterrorism or by any activity or decision of a government agency orother entity to prevent, respond to or terminate terrorism regardless ofany other cause or event that contributes concurrently or in anysequence to the loss or damage, but you are still insured for ensuingloss or damage which results directly from fire or explosion.w) i) loss or damage to data; or,ii) loss or damage caused directly or indirectly by a data problem.However, if loss or damage caused by a data problem results inthe occurrence of further loss of or damage to property insuredthat is directly caused by fire, explosion, smoke or water damage,all as described under “Fire and Extended Coverage”, thisexclusion shall not apply to such resulting loss or damage.x) i) loss or damage caused directly or indirectly, in whole or in part,by any fungi or spores.ii) the cost or expense for any testing, monitoring, evaluating orassessing of fungi or spores.Fungi means, but is not limited to, any form or type of mould, yeast,mushroom or mildew whether or not allergenic, pathogenic ortoxigenic, and any substance, vapour or gas produced by, emittedfrom or arising out of any fungi or spore(s) or resultant mycotoxins,allergens, or pathogens.Spore(s) means, but is not limited to, any reproductive particle ormicroscopic fragment produced by, emitted from or arising out of anyfungi.y) loss or damage caused directly or indirectly by any illegal orunauthorized activity related to and including the growing, harvesting,manufacturing, processing, storing, sale or distribution of any drug ornarcotic or the possession of any substances or item of any kindwhich constitutes a criminal offence, to any dwellings, outbuildings orbelongings contained therein whether or not you have knowledge ofor are able or unable to control such illegal activity. This includes anyalteration of the premises to facilitate such illegal activity.14