ADH 15.04a 7 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 We will also pay up to the limit for any one claim for necessary and reasonable costs that you incur in finding the source of the damage to the home . This includes reinstating any wall, floor, ceiling, drive, fence or path removed or damaged during the search. Limit – please refer to your schedule 3. Theft or attempted theft 4. 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. We will also pay up to the limit for any one claim for necessary and reasonable costs that you incur in findi ng the source of the damage to the home. This includes reinstating any wall, floor, ceiling, drive, fence or path removed or damaged during the search. Limit – please refer to your schedule 5. Fire, smoke, explosion, lightning or earthquake 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 ; The cost of repair of the source of the damage unless the cause is covered elsewhere in this policy . Loss or damage: • while your home is unoccupied or unfurnished ; • caused by you, your family , your domestic staff, lodgers, paying guests or tenants , and any person that has been allowed into the home. 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 . The cost of repair of the source of the damage unless the cause is covered elsewhere in this policy . Smoke damage caused by smog, agricultural or industrial operations or smoke damage that happens gradually from repeated exposure.