What coverage is available to the Property under the Enhanced Personal Property Endorsement Waiver Program and the Property’s Tenant Legal Liability policy?

If the Property has elected the Enhanced Personal Property Endorsement, the Enhanced Personal Property Endorsement is in place to only provide coverage to resident’s personal property in the event any of the following additional causes of loss occur regardless of tenant negligence. There is no coverage for building damage under this endorsement. The additional covered causes of loss are:

• Losses resulting from falling objects, provided the building is first damaged by such falling objects, weight of ice, snow, or sleet;
• Losses resulting from accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning, or automatic fire protective sprinkler system or from within a household appliance;
• Losses resulting from sudden and accidental tearing apart, cracking, burning, or bulging of a steam or hot water heating system, an air conditioning or automatic fire protective sprinkler system, or an appliance for heating water;
• Losses resulting from sudden and accidental damage from an artificially generated electrical current; and
• Losses resulting from freezing of a plumbing, heating, air conditioning, or automatic fire protective sprinkler system or of a household appliance.