Damage to insured residence caused by fire and related hazards;
Damage caused by storm, wind, floods, water and hail;
Damage caused by the impact of animals, vehicles (or objects in vehicles), fallen trees (excluding trimming of trees by a contractor), aircraft or aerial devices dropped therefrom but excluding loss or damage caused by sonic shock waves;
Accidental breakage of glass attached to windows, doors, skylights and balconies;
Accidental breakage of basins, pedestals, sinks, splash guards and water cisterns but excluding any loss or damage arising from chipping, scratching, discolouration or any other disfiguration;
Accidental damage to public water, sewage, electricity and telephone line;
Accidental damage resulting from oil spills or gas leaks from heating.