The policy covered direct loss or damage caused by certain dangers such as vandalism or malicious acts. The landlord found that the tenants` actions were acts of vandalism: they showed a deliberate violation of their rights. In Hanlon v. ING3, the British Columbia Court of Appeal interpreted a landlord and tenant policy in which damage to a Salmon Arm home was caused by a marijuana grow. Among the damage were damp, stained and burnt carpets, the removal of bathroom faucets replaced by outdoor patties, holes in the bathroom walls for pipes to pass through, lift them and lift stained wallpaper, square tiles, mold and what the unfortunate owner called “a strange smell”. Conditions – The provisions of a policy that require the insured to do something before or after damage or not to do it. The obligation for the insurer to pay for losses or provide services is based on the obligation for the insured to perform certain tasks or prevent certain things. One of the obligations of the insured before a loss is to have been truthful when applying for coverage. The secrecy or fraud of the insured leads to the cancellation of the policy.

One of the obligations of the insured after a loss is to protect the property against further losses. Otherwise, the insurer could be relieved of the obligation to pay the debt. Above, there is an example of conditions contained in the insurance agreement of an auto insurance policy. The insurer has met the insured`s obligations in the event of an accident or loss. This case is a perfect example of the modification of the law of progressive houses. A question of coverage focuses on the terms of the directive. Similarly, the explanatory page of a life insurance policy contains the name of the insured person and the nominal amount of the life insurance policy (for example. B 25,000 USD, 50,000 USD, etc.). Exclusions – These provisions of the policy set the limits of the promises of coverage indicated in the insurance contracts.

These provisions are intended to cover one or more purposes, including the elimination of (1) coverage for losses arising from certain risks (2) coverage by other insurances, (3) coverage for non-insurable losses. In principle, exclusions are those parts of the insurance contract that limit the scope of coverage and/or list causes and conditions that are not covered.. . . .