What Does Temperature Extremes Exclusion Mean?
The temperature extremes exclusion is a provision that denies coverage for damage due to unusually high or low temperatures and dampness. For example, if the insured left their windows open during the winter and some pipes have burst due to the freezing cold, the insurer may deny their claim because of this exclusion.
Insuranceopedia Explains Temperature Extremes Exclusion
The temperature extremes exclusion encourages policyholders to maintain an appropriate environment for their property. If extreme temperatures result, it is often due to negligence; thus, insurers often deny these claims.
However, in some situations, a policy may still cover extreme temperature damage. This usually applies when the damage was not the insured’s fault, such as mechanical failure. For example, a manufacturer needs to keep their factory at a very cold temperature, but the air conditioning unit stops working due to faulty wiring. This results in damaged machinery from hot temperatures. The insurance company would likely pay this damage claim.