- actions of third parties.
- fire, lightning;
- explosion of gas used in household and production;
- short circuit occurring in electric wires;
-explosion of steam boilers, gas storages, gas pipelines, machines, apparatus and other similar installations or devices;
- failure of water, heating, sewage pipelines and fire extinguishing systems, as well as flooding as a result of water entering from neighboring buildings, residential and non-residential areas, residential houses and buildings, apartments, and rooms;
- the impact of any object or its parts falling, throwing, hitting, spilling, discharging and other such forms;
- hit by a ground vehicle;
- natural disasters – earthquake, volcano, storm, hurricane, hail, flood, downpour, landslide;
- actions of third parties.