Temperature Extremes Exclusion
What Does Temperature Extremes Exclusion Mean?
The temperature extremes exclusion is a policy provision that excludes coverage for damage caused by unusually high or low temperatures or dampness. For instance, if an insured individual leaves their windows open during winter and pipes burst due to freezing temperatures, the insurer may deny the claim under this exclusion.
Insuranceopedia Explains Temperature Extremes Exclusion
The temperature extremes exclusion encourages policyholders to maintain a suitable environment for their property. Claims resulting from extreme temperatures are often denied because such damage is frequently attributed to negligence.
However, coverage may apply in certain cases where the damage is not the insured’s fault, such as mechanical failure. For instance, if a manufacturer needs to maintain a cold factory environment but the air conditioning fails due to faulty wiring, leading to machinery damage from high temperatures, the insurer would likely cover the claim.
