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F. COVERED SYSTEMS AND APPLIANCES
1. Heating, A/C, Heat Pump, and Evaporative System:
a. Covered Items:
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i. Any parts necessary for the normal operation of the ducted central heating, cooling, or heat pump system, originally designed and correctly installed for the dwelling of record.
ii. Thermostats, wiring, heat exchanger, combustion chambers, and/or duct work from the central heating or cooling system to the register grill.
iii. Ducted roof or ground mounted evaporative coolers mechanical parts.
iv. (1) Heating and (1) Cooling system check-up is included with this contract. Policyholder is responsible for scheduling check-ups. Heating check-up must be scheduled between October 1st and November 30th. Cooling check-ups need to be scheduled between March 1st and April 30th.
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b. Not Covered:
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i. WINDOW UNITS, PORTABLE UNITS, PRE-COOLERS, THERMOSTAT PROGRAMMING, ALL AIR FILTERS, BASEBOARD CASINGS, HUMIDIFIERS, DEHUMIDIFIERS, GEOTHERMAL UNITS, FUEL TANKS, LUBRICANT TANKS, CONDENSER PANS AND/OR LINES, SOLAR HEATING SYSTEMS, ROOF JACKS, STANDS, FIREPLACES, REGISTERS, GRILLS, DAMPERS, TIMERS, DUCTS UNDERGROUND OR BENEATH A DWELLINGS FLOOR, DUCTS CONTAINING FIRE SPRINKLERS OR HAZARDOUS INSULATION, EVAPORATIVE PADS, FRAMING, OR WINDOW MOUNTED EVAPORATIVE COOLERS, AND SUN OR HEAT LAMPS.
ii. ANY IMPROPERLY SIZED HEATING OR COOLING SYSTEM, SYSTEMS EXCEEDING 5 TONS OR 120,000 BTU, MISMATCHED EQUIPMENT, IMPROPERLY SIZED DUCT WORK, OR COMMERCIAL OR INDUSTRIAL GRADE SYSTEMS OR COMPONENTS.
iii. DIRTY COILS, DRAINS, BLOWERS, DUCTS, AND/OR FURNACE PARTS.
iv. ANY COSMETIC OR SURFACE DAMAGES, LIGHT BULBS, HANDLES, GLASS OR TRANSPARENT PLASTICS. DAMAGE CAUSED BY RUST, MOISTURE OR MOLD.
v. ANY ACCESS REQUIRED TO THE INTERIOR OF WALLS, FLOORS, CEILINGS ETC. FOR COMPLETE AND ACCURATE DIAGNOSTICS OF A FAILED HEATING OR COOLING SYSTEM.
vi. If any unit in this section needs to be replaced the cash disbursement will be valued according to schedule D, Section 6 Item B.
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c. Limits:
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i. $1500 maximum coverage during Seller's listing period.
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2. Plumbing System:
a. Covered Items:
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i. Leaks or failure of component parts necessary for the normal operation of water supply and sewage removal originally designed and correctly installed for the dwelling of record limited to the following components:
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I. Pipes, traps, risers, vents, valves, rubber or wax seals, diverters, mechanical links. water tanks, reservoirs, sinks, bowls, and level indicators.
II. Blockage removal for toilets, tubs, showers, bathing stalls, hot water heaters, and below sink mounted disposals.
III. Blockage coverage only pertains to items having accessible ground level clean outs and is limited to a maximum of 100 feet from access point.
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b. InHouse is not liable for repairs caused by misuse, abuse, or failure to maintain manufacturer's specified maintenance for items such as, but not limited to: coil cleaning, filtration changes, water heater flushing, consumable component replacement, proper refrigerant levels, or lubrications. This contract does not cover "Cleaning of any parts or equipment.
c. Not Covered:
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i. ALL PLUMBING LOCATED OUTSIDE OF DWELLING OF RECORD, AS WELL AS ANY ITEMS NOT LISTED ABOVE INCLUDING, BUT NOT LIMITED T0, SHOWER HEADS, TOILET LIDS, OUTSIDE MISTERS, DRIP, OR SPRINKLER SYSTEMS, WATER SOFTENERS, WATER FILTERS, JETTED TUBS, SEPTIC SYSTEMS, PRESSURE REGULATORS, HIGH OR LOW WATER PRESSURE FLOW, STEAM ROOMS, SAUNAS, OR COMMERCIAL GRADE SYSTEMS.
ii. ANY COSMETIC ASPECTS OR ITEMS, INCLUDING, BUT NOT LIMITED TO CAULKING, GROUTING, OR EXTERNAL COATINGS, OR ANY EXTRANEOUS OR CONSEQUENTIAL DAMAGES RESULTING FROM FAILURE OF ANY PLUMBING OR SEWAGE SYSTEM OR COMPONENT.
iii. ACCESS REQUIRED FOR ACCURATE DIAGNOSIS THROUGH WALLS, FLOORS, CEILINGS, ETC. OF A FAILED PLUMBING OR SEWAGE SYSTEM.
iv. ANY DAMAGE TO PIPES, FIXTURES OR WATER HEATERS OVER 50 GALLONS CAUSED BY CHEMICALS, MINERALS, FAULTY INSTALLATION, FREEZING, HOUSE SETTLING, TREE OR PLANT ROOTS.
v. ANY ASPECT OR COMPONENT OF A FIRE SUPPRESSION SYSTEM.
vi. If any unit in this section needs to be replaced the cash disbursement will be valued according to schedule D, Section 6 Item B.
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d. Limits:
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i. $1,000 maximum coverage during Seller's listing period.
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3. Electrical System:
a. Covered Items:
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i. All components and parts necessary for normal operation of electrical systems as originally designed and correctly installed for dwelling of record.
ii. Conduit and wiring panels and sub panels, built-in outlets, receptacles, door bells, light fixtures, switches, or inline power protection devices.
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b. Not Covered:
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i. ANY WIRING OR ELECTRICAL ITEM LOCATED OUTSIDE THE DWELLING OF RECORD.
ii. ANY COSMETIC OR SURFACE DAMAGES.
iii. ANY REPAIR ISSUES CAUSED BY IMPROPER INSTALLATION.
iv. SOLAR POWERED SYSTEMS, ATTIC FANS, TELEPHONE JACKS AND WIRING, BACKUP OR ALTERNATE POWER SYSTEMS, BATTERIES, LIGHT BULBS, OUTLET COVERS, FACEPLATES, GAS GENERATORS, OR ANY FIRE OR SMOKE DAMAGED ITEMS.
v. CONSEQUENTIAL DAMAGES DUE TO POWER FAILURE, SURGES, OR LOADS GREATER THAN THE SYSTEM'S SPECIFIED DESIGN.
vi. ANY ACCESS REQUIRED TO INTERIOR WALLS, FLOORS, CEILINGS ETC. FOR COMPLETE AND ACCURATE DIAGNOSTICS OF ANY FAILED ELECTRICAL SYSTEM.
vii. COMMERCIAL OR INDUSTRIAL GRADE SYSTEMS OR COMPONENTS.
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c. Limits:
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i. $1,000 maximum coverage during Seller's listing period.
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4. Kitchen and Household Appliances:
a. Covered Items:
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i. Any components or parts used for the normal operation of residential appliances as intended by the manufacturer, including motors, compressors, heating or cooling elements, coils, fuses, door seals, castors, bearings, switches, gears, belts, chains and sensors.
ii. Dishwasher, Stove, Range, Oven, built-in Microwave, Trash Compactor, Garbage Disposal, Hot Water Heater, Garage Door Openers, and Ceiling Fans.
iii. In the event refrigerator or freezer fails, InHouse will warrant a cash disbursement for food and beverage spoilage, not to exceed $25.00, providing service was expediently requested as outlined in this contract. InHouse Service representative must verify spoilage.
iv. Built-ins are covered by the manufacturer's extended warranty and coverage is limited to a maximum of $1,000.00 by non covered units.
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b. Not Covered:
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i. ANY ITEMS NOT LISTED ABOVE, INCLUDING, BUT NOT LIMITED TO, ALL LININGS, COATINGS, GLASS, STORAGE RACKS, BASKETS, SHELVES, LIGHT BULBS, HANDLES, TRANSPARENT PLASTICS, FREE STANDING FREEZERS, BATTERIES, CLOCKS, CLEANINGS, OR BACK UP POWER SYSTEMS.
ii. ANY COSMETIC OR SURFACE DAMAGE CAUSED BY RUST, MOLD OR MOISTURE WHEN MOVING OR TRANSPORTING THE APPLIANCE.
iii. ANY TYPE OF STAIN INCLUDING, BUT NOT LIMITED TO THOSE CAUSED BY WATER, FIRE, OR SMOKE.
iv. ANY APPLIANCE CLASSIFIED BY ITS MANUFACTURER AS COMMERCIAL GRADE.
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c. Limits:
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i. $100.00 maximum coverage during Seller's listing period.
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5. Security System:
a. Covered Items
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i. Key pads, timers, and sensors necessary for normal operation of home security or alarm system as originally designed and installed for the dwelling of record.
ii. Dwellings without a home security system, or outdated security system, are eligible for a free alarm system (OAC) with this contract. A monthly monitoring fee is required and is not covered by this contract.
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b. Not Covered:
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i. ANY CONSEQUENTIAL DAMAGES OR LOSSES DUE TO FAILURE OF ALARM SYSTEM.
ii. ANY FIRE ALARM SYSTEMS OR COMPONENTS.
iii. WIRING OR SENSORS LOCATED OUTSIDE THE DWELLING, OR NOT LISTED ABOVE.
iv. ANY REPAIR ISSUES RESULTING FROM INACCURATE INSTALLATION. 5. BACKUP OR ALTERNATE POWER SYSTEMS.
v. COMMERCIAL OR INDUSTRIAL GRADE SYSTEMS, COMPONENTS.
vi. ACCESS REQUIRED TO INTERIOR OF WALLS, FLOORS, ETC. FOR THE COMPLETE AND ACCURATE DIAGNOSTICS OF A FAILED SYSTEM. ANY COSMETIC OR SURFACE DAMAGE.
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c. Limits:
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i. $500.00 maximum coverage during Seller's listing period.
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6. Pest Control
a. Covered Items
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i. Roaches, Spiders, Mice, Crickets, Ground Beetles, Millipedes, Centipedes, Pillbugs, Snowbugs, Earwigs, Clover Mites, and Ants.
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b. Not Covered:
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i. TERMITES, CARPENTER ANTS, FLEAS, TICKS, AND RATS.
ii. ANY FUNGUS OR WOOD DESTROYING ORGANISM.
iii. ANY ORGANISM NOT SPECIFICALLY LISTED AS A COVERED ITEM
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c. Limits:
1. $500.00 maximum coverage during Seller's listing period.
7. Central Vacuum:
a. Covered Item:
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i. All mechanical system components and parts.
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b. Not Covered:
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i. DUCTING, BLOCKAGES, WALL PLATES OR LIDS, AND ACCESSORY ITEMS.
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c. OPTIONAL COVERAGE ITEMS
8. Roof Leak Repair:
a. Covered Items:
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i. Roof leaks resulting from normal wear and tear that occurred in the roof located over the occupied living area of the covered dwelling.
ii. Roof leaks above an enclosed garage attached to covered dwelling.
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b. Not Covered:
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i. PATIO ROOF OR OVERHANG.
ii. DAMAGE FROM WALKING ON THE ROOF, GUTTERS, OR FLASHING.
iii. PENETRATIONS ADDED AFTER ORIGINAL CONSTRUCTION FOR SKYLIGHTS, HVAC EQUIPMENT, ATTIC VENTS, FANS, SOLAR EQUIPMENT, OR ACCESS AREAS.
iv. MISSING OR DAMAGED TILES, SHINGLES, SHAKE, METAL, FOAM OR AGATE ROOFING, AND ANY COMPOSITION, FELT, OR TAR BACKING MATERIALS.
v. CONSEQUENTIAL DAMAGES INCURRED DUE TO ROOF FAILURE, OR DAMAGE CAUSED BY RUST, MOLD OR MOISTURE, OR LACK OF MAINTENANCE.
vi. COLOR MATCHING OF ROOFING MATERIALS IS NOT COVERED.
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c. Limits:
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i. This contract does not apply for roofs that have deteriorated beyond repair or have exceeded their normal life expectancy.
ii. $1,000.00 maximum per annual warranty contract for total diagnosis, repair, or replacement of roofing diagnosis, labor, repairs, and materials.
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9. Pool and Spas:
a. Covered Item:
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i. Any pool or spa mechanical component required for the normal operation of water supply, heating, water circulation, or regeneration pumping system as originally designed and correctly installed for the dwelling of record.
ii. Pumps, motors, compressors, pipes, traps, risers, gaskets, timers, vents, valves, rubber or wax seals, back flow prevention devices, mechanical linkages, and level indicators.
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b. Not Covered:
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i. ANY ITEMS NOT LISTED ABOVE INCLUDING, BUT NOT LIMITED TO LIGHTS, SWITCHES, LININGS, COATINGS, PLASTER, TILE, CONCRETE PADS OR SLABS, DECKING, STEPS, FOUNTAINS, WATERFALLS, WATER SOFTENERS, WATER PURIFIERS, FILTERS, FILTRATION MEDIA, SCREENS, BASKETS, RAILINGS, DIVING BOARDS, SLIDES, POOLS OR SPA COVERS, SOLAR SYSTEMS, OR LIFE SAFETY EQUIPMENT.
ii. ANY CLEANING SYSTEMS OR COMPONENTS.
iii. ALL DAMAGE TO MECHANICAL SYSTEMS, PIPES OR FIXTURES CAUSED BY, FREEZING, FOUNDATION SETTLING, CHEMICALS, MINERALS, OR TREES AND PLANTS.
iv. ALL ACCESS REQUIRED TO THE INTERIOR OF WALLS, FLOORS, CONCRETE SLABS, CEILINGS, OR BELOW GRADE (UNDERGROUND) FOR A COMPLETE AND ACCURATE DIAGNOSTICS OF A FAILED PLUMBING POOL WATER SUPPLY OR DRAINING SYSTEM.
v. POOL OR SPA DRAINAGE OR RESURFACING.
vi. PRESSURE REGULATION COMPONENTS, OR DAMAGE CAUSED BY EXCESSIVE WATER PRESSURE OR FLOW.
vii. COMMERCIAL OR INDUSTRIAL GRADE SYSTEMS OR COMPONENTS.
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10. Refrigerators and Ice Makers:
a. Covered Item:
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i. Same terms as listed under section 16A.
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b. Not Covered:
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i. SAME TERMS AS LISTED UNDER SECTION 16B. SEALED REFRIGERATION SYSTEMS ARE NOT COVERED.
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11. Clothes Washer and Dryer:
a. Covered Item:
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i. Same terms as listed under section 16A.
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b. Not Covered:
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i. SAME TERMS AS LISTED UNDER SECTION 168.
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12. Well Pump:
a. Covered Item:
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i. Any component or part of a well pump system, utilized as the main source for the main dwelling only.
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b. Not Covered:
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i. WELL CASING, PIPING, ELECTRICAL LINES, PRESSURE AND HOLDING TANKS AND SWITCHES, GEOTHERMAL SYSTEMS OR COMPONENTS, OR REDRILLING OF WELLS.
ii. COST INCURRED TO OBTAIN ACCESS TO REPAIR A WELL PUMP SYSTEM.
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13. Septic Tank:
a. Covered Item:
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i. Any component of a sewage ejector pump, septic tank, or line from dwelling. Must have existing access or clean out. Coverage void if septic certification was not completed within 120 days prior to this contract date.
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b. Not Covered:
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i. COST OF SEWAGE HOOKUPS, DISPOSAL OF WASTE, CHEMICAL TREATMENTS, TILE FIELDS, LEACH BED, OR CESS POOLS.
ii. INSUFFICIENT CAPACITIES, CLEANOUTS, OR PUMPING.
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c. URGENT REPAIR ITEMS
14. Urgent Service Defined:
a. Urgent service is defined as service necessary to avoid loss of life or serious physical injury.
15. Urgent Repair Items:
a. Air conditioners, furnaces, heat pumps, refrigerators, plumbing leaks, or hot water heaters.
16. 24-Hour Service Guarantee:
a. Urgent Repair Items receive top priority, meaning a service provider will arrive at property within 24-hours of the time of initial service request. Urgent service requested on Sundays or holidays will allow for a 48 hour waiting period for a service request.
b. Guaranty applies to initial diagnosis only, and does not apply to time required for repair or replacement of covered systems or appliances.
c. HOME INSPECTION/TERMITE WARRANTY
17. Each additional 500 square feet over 2,000 will be charged an additional $50 per each up to 5,000 square feet. Then it will be charged at .17 cents per square foot.
18. Homes over 25 years: $50 additional fee.
19. Crawl space/basements: $25 additional fee.
20. Termite warranty is subject to separate terms and conditions that will be an additional contract.
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