ADH 15.04a 15 Causes What your policy covers: What your policy does not cover: Your policy covers contents whilst in the home for loss or damage resulting from the following causes: 1. Storm or flood 2. Sudden and unexpected water leaking from or freezing in any washing machine, dishwasher, fridge, freezer or plumbed in domestic water , drainage or heating installation 3. Oil leaking from or freezing in a fixed oil -fired heating installation, including smoke and smudge damage by vaporisation due to a defective oil -fired heating installation and damage to soil caused by the leaking oil. 4. Theft or attempted theft 5. Fire, smoke, explosion, lightning or earthquake Loss or damage to radio or television aerials or satellite dishes not in or attached to the b uildings. Loss or damage: • to the fittings/ installation / appliances themselves is only covered if the damage has happened as a result of an insured cause or cover; • while your home is unoccupied or unfurnished . Loss or damage: • to the installation itself is only covered if the damage has happened as a result of an insured cause or cover; • while your home is unoccupied or unfurnished . Loss or damage: • while your home is unoccupied or unfurnished ; • of money unless force is used to gain entry to your home ; • if property is obtained by any person using any form of payment which proves to be counterfeit, false, fraudulent, invalid, uncollectible, irrecoverable or irredeemable for any reason; • caused by you, your family , your domestic staff , lodgers, paying guests or tenants, and any person that has been allowed into the home . Smoke damage caused by smog, agricultural or industrial operations or smoke damage that happens gradually from repeated exposure.