Specifications

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4. Living Out Accommodation Expenses
The living-out accommodation expenses actually incurred by the homeowner at a hotel, motel or other
rental accommodation due to repair work that renders the dwelling unit uninhabitable.
5. Repair/Replacement of Defects
Any repairs or replacement of defects pursuant to this policy shall be covered against defect in material
and labour until the later of one (1) year from the date of completion of the repair or replacement or to the
expiry date of the applicable policy coverage.
EXCLUSIONS - PERILS
This warranty does not cover:
1. Water penetration or damage caused by:
a. breakage of or leakage from plumbing lines or systems;
b. fire sprinkler systems;
c. irrigation systems;
d. broken windows.
2. Weathering, normal wear and tear, deterioration or deflection consistent with normal industry
standards.
3. Normal shrinkage of materials caused by drying after construction.
4. Loss or damage arising from the dwelling unit being used primarily or substantially for non- residential
purposes.
5. Loss or damage that is caused or made worse by a homeowner or third party, including:
a. negligent or improper maintenance or operation by anyone other than the
vendor/developer/general contractor or its employees, agents or subcontractors;
b. failure of anyone, other than the vendor/developer/general contractor or subcontractor, to
comply with the warranty requirements of the manufacturers of appliances, equipment or
fixtures;
c. unreasonable refusal by the purchaser/homeowner to permit the Insurer or
vendor/developer/general contractor access to the dwelling unit to:
i. monitor the dwelling unit or its components;
ii. inspect for required maintenance;
iii. investigate complaints or claims; or
iv. undertake repairs under this policy.
d. alterations to the new dwelling unit, including the conversion of non-living space into living
space or the conversion of a dwelling unit into two or more units, by anyone other than the
vendor/developer/general contractor, or its employees, agents or subcontractors while
undertaking their obligations under the sales contract;
e. any defect in, caused by, materials or work supplied by anyone other that the
vendor/developer/general contractor, or its employees, agents or subcontractors;
f. changes, alterations or additions made to a dwelling unit by anyone after initial occupancy,
except those performed by the vendor/developer/general contractor, its employees, agents or
subcontractors;
g. changes to the grading of ground by anyone other than vendor/developer/general contractor
or subcontractors.
6. Failure of the homeowner to take timely action to prevent or minimize loss or damage, including the
failure to give prompt notice to the Insurer of a defect or discovered or potential defect or loss.
7. Insects, rodents or other animals, unless the damage results from non-compliance with the building
code by the vendor/developer/general contractor or its employees, agents or subcontractors.
8. Accidental loss or damage from acts of nature including, but not limited to, fire, explosions, smoke,
water escape, glass breakage, windstorm, hail, lightning, falling trees, aircraft, vehicles, flood,
earthquake, avalanche, landslide and changes in the level of the underground water table which are
not foreseeable by the vendor/developer/general contractor.