Every insurance policy contains exclusions that the insurance provider uses to minimize the risk to them. You should always read a contract thoroughly to make sure there are no surprises. Below we have listed the exclusions found in the contract for the basic Wawanesa home insurance package. Normal degradation of a property Wet rot, dry rot or fungi Pests and vermin Damage that occurs after a property has been vacant for 1 month Damage due to the purchaser's criminal activity Terrorism and war Nuclear incidents Damage done during refurbishment