The following property exclusions are applied to your fire coverage: – Neglect – meaning the insured’s failure to use reasonable means to save and preserve property at and after the time of loss. – War – including undeclared war, civil war, insurrection, rebellion, revolution, warlike acts by a military force or military personnel, destruction or seizure or use for a military purpose and including any consequence of any of these. Discharge of a nuclear weapon will be deemed a warlike act even if accidental. – Government Action – which eliminates coverage for damage caused by a government authority, except when attempting to stop the spread of fire. – Intentional loss – meaning any loss arising out of any act committed: a. by or at the direction of the insured or any person or organization named as an additional insured b. with intent to cause a loss – Acts or decisions of a person/member of any organization or government body. For example, if an individual monitoring a dam accidentally releases too much water (a negligent act) into a river causing a flood (an excluded peril), no coverage applies. – Faulty, inadequate or defective planning, design, workmanship and maintenance. For example, if a contractor designs a faulty or defective drainage system (a negligent act) which causes the earth to move a dwelling off its foundation (an excluded peril), no coverage applies.