The coverage in this contract applies only to items falling within the perimeter of the foundation of the home and attached garages. This contract only applies to homes on permanent foundations and covers structural malfunctions and failures as follows: footings and foundation systems, beams, girders, lintels, masonry arches, columns, load-bearing walls, partitions, roof framing systems, and floor systems, subject to the following limitations and exclusions: this policy does not cover any item within, attached to, or affected by any modifications to the property made by the policyholder after the date of Inspection by the Certified Inspection Expert and it covers only those items and elements required to ensure the home's structural stability.

Any repair of a covered failure is limited to the repair of the damage to load-bearing structural components solely to restore any load-bearing function as existed prior to the malfunction. Where a non-load bearing structural component was damaged and repair is necessary to restore safety, sanitation, or liva- bility – these repairs would also be covered. Any repairs involving cosmetic correction consequential to the malfunction or otherwise, are not covered under this policy.

For exclusions and limitations, see full policy.