On the AAIS FORM 3 (2.0) policy, is there wording specific in regard to maintenance issues (due to lack of upkeep by insured)? Wear and tear does not seem to fit for some denials. For example, an insured whose attic is not ventilated properly and has had ongoing issues developing for years. We are looking for a quotable area of the policy.

Pennsylvania Subscriber

The policy covers the property for risks of direct physical loss unless the loss is excluded. Anything that occurs over time is not the same as direct physical loss. If an insured has an attic that is not ventilated properly and the insured does not address it, that is neglect. Any loss that develops over time is going to be seen as faulty maintenance or neglect. An insured has a responsibility to maintain his dwelling. If the insured knows something is leaking, or that a window doesn't seal correctly, or that something else isn't quite right and he doesn't address it, any resultant damage is a result of his failure to maintain his property.