McKool v. Reliance Insurance Company

BATEMAN, Justice.

Appellant Mike McKool sued appellee Reliance Insurance Company for loss due to •chipping and cracking of ceramic tile affixed to the walls of his swimming pool, caused by freezing of the water in the pool. The ■policy sued on insured appellant against “all risks of physical loss” to his home ex■cept as excluded in that part of the policy -providing that the insurance does not cov•er, inter alia:

“i. Loss caused by inherent vice, wear and tear, deterioration; rust, rot, mould or other fungi; dampness of atmosphere, extremes of temperature; contamination; vermin, termites, moths…