Wear, tear and gradual deterioration


What's not covered

Depending on whether you have AAMI Home Building and/or Home Contents insurance, loss, damage to or liability arising from or connected with any part of the building, unit or contents that has wear, tear, rust, fading, rising damp, corrosion, rot, action of light, atmospheric or climatic conditions or gradual deterioration are excluded.

Some examples include, but are not limited to:

  • tiles and their adhesive or grouting breaking down;
  • weathering of roof tiles or roof ridge capping;
  • gradual weathering and breakdown of bricks, mortar, pot plants, or concrete;
  • wear and tear of carpets, furniture and furnishings; or
  • fading of curtains and drapes.