The following are the types of damage claimable under a typical home buildings insurance policy. The events listed are known as listed events. You can only claim for loss or damage to your home if it is caused by one or more of the listed events:
damage caused by an animal
earthquake
escape of water
explosion
fire
impact damage
impact of a falling tree or branch.
lightning
malicious acts
oil leaks
riot, civil commotion, or industrial or political disturbance.
storm
subsidence or landslide
theft or attempted theft.