A few examples of these exclusions include:

• Weathering, normal wear and tear, deterioration or deflection consistent with normal industry standards.
• Normal shrinkage of materials caused by drying after construction.
• Any damage to the extent that it is caused or made worse by an owner or Third Party.
• Failure of an owner to take timely action to prevent or minimize loss or damage, including the failure to give prompt notice to Travelers Insurance Company of Canada of a Defect or discovered loss or a potential Defect or loss.
• Accidental loss or damage from acts of nature including, but not limited to, fire, explosion, smoke, water escape, glass breakage, windstorm, hail, lightning, falling trees, aircraft, vehicles, flood, earthquake, avalanche, landslide, and changes in the level in the underground water table which are not reasonably foreseeable by the builder.
• Any defect in, or caused by, materials or work supplied by anyone other than the builder or its employees, agents, or sub-contractors.
• Changes, alterations, or additions made to the new home by anyone after initial occupancy, except those performed by the builder or its employees, agents, or sub-contractors under the construction contract or sales agreement, or as required by Travelers Insurance Company of Canada.
• Damage caused or made worse by the failure of an owner to take reasonable steps to mitigate any damage.